Why should you talk to the Swansea about a mortgage case?
If you are looking for a lender lending in England and Wales with a personal, tailored, common-sense approach to lending, we are the lender to speak to. With no credit scoring and all cases manually underwritten, we are able to look at cases which are more quirky and niche and which require a human to look at them with no ‘computer says no’ mentality. Our front line mortgage managers have years of experience of dealing with more complex cases and will be able to structure a case for you and your clients. You’ll wish you had come to us before once you have used us!
Our USPS are as follows:
USPs: (All applicable to properties in England and Wales unless stated)
- Self-employed – We specialise in lending to the self-employed with over 55% of our book in this category. When looking at income, we assess what income can be taken not what is actually taken. We look at retained earnings and happy to add back in one off items. We don’t credit score and manually underwrite all cases. We adopt a personal, tailored and common sense approach to lending with no computer says no mentality. Also, we will lend up to age 75 for self-employed and can look at extending this depending on the case.
- Lending to Medical Professionals (Doctors and Dentists) where we can offer enhanced income multiples.
- Lending to professionals / key workers– we offer reduced rates for professionals / key workers.
- Properties with or without land – We offer mortgages on small holdings (up to 100 acres) with or without agricultural restrictions / s.106 in place. (Must not be a working farm.)
- Properties with annexes etc – We lend on properties with annex’s, 2 kitchens, multiple properties on site, Grade 2 listed etc.
- Green mortgages – we offer preferential rates for residential properties with an EPC rating of A or B.
- Semi – commercial – we can do mortgages on flats above shops even if the shop / flat is on one title.
- Buy to Let / Holiday let mortgages – we offer BTL / holiday let mortgages and will accept Airbnb income. We can do BTL/HL mortgages for Ltd Co’s and Portfolio landlords.
- Short term bridging – we can do short term bridging at normal residential rates using our regulated mortgages.
- Capital raising – we are happy to capital raise for any legal purpose – pay a tax bill, debt consolidation, buy a second home, invest in a business etc.
- Interest only – as long as there is a credible repayment strategy, we are happy to look at cases on interest only terms.
- Lending in Retirement – we will go up to age 85 for those who are retired / semi-retired and can look at interest only as well.
- Lending into retirement – we can go up to age 75.
- Self-build / renovation products available in Wales / Welsh Border areas (Post codes: BS, GL, HR, WR & SY) and outside of these areas on a case by case basis.
We also have more information at our Swansea for intermediaries website which you can find by clicking Here