We have a small mortgage team which aims to offer a high standard of personal and flexible service; we are known for our flexible approach to underwriting.
All applications are judged on merit and decisions are made on the basis of the applicants’ individual circumstances by experienced underwriters rather than computers. Our speciality is to consider applications that are a little bit out of the ordinary, where the case requires an element of sensible judgement. Many of our borrowers are self-employed or involved in property as an investment. Whilst in exceptional circumstances we will lend up to 100% of the property value, most of our lending is 80% or below. We do not offer sub-prime or self-certification mortgages. We do not lend in Scotland or Northern Ireland.