Call us

Our lines are open

Mon-Fri 9:00am – 5:30am.
Calls may be recorded.

Customer Service numbers

Accounts beginning #1

0345 130 4386

Accounts beginning #2

0800 368 1834

OUR PRODUCTS

We understand, life happens.

We believe that financial blips in the past and your credit score alone shouldn’t get in the way of your future mortgage applications, which is why we've designed products and services that are as unique as your situation.

How do I apply?

First Time Buyer

If you are looking to buy your first home – congratulations! This big step is one of the most exciting life moments, but we know it can also be very daunting. If you’re facing challenges with high street banks or are worried about whether financial challenges in your past will impact you today, we could be the mortgage lender you are looking for. Our unique range of mortgages is designed to get you onto the property ladder, whatever your circumstances.

  • No credit scoring
  • CCJ’s, Arrears, Defaults accepted
  • All telecom CCJ/Defaults ignored if under £300
  • Gifted deposit accepted

 

Home ownership made easy
How do I apply

New Home

If you’re in the market for a new home, you’ll likely need a new mortgage. Even if you’ve faced difficulties borrowing in the past, talk to your broker about whether we could help today.

  • No credit scoring
  • CCJ’s, Arrears, Defaults accepted
  • All telecom CCJ/Defaults ignored if under £300
  • Gifted deposit accepted
Home ownership made easy
How do I apply

Remortgage

Remortgaging can seem complicated, but it doesn’t have to be. Our range of solutions makes it easy for you to move your mortgage, borrow more to consolidate your debts, or make improvements to your home. We can even help sort out the legal stuff so you have more time to focus on what really matters.

  • No credit scoring
  • CCJ’s, Arrears, Defaults accepted
  • All telecom CCJ/Defaults ignored if under £300
  • £500 cashback or free legals
  • Debt Management plans accepted

 

Home ownership made easy
How do I apply

Help to Buy

With Help to Buy there to make homeownership more affordable, we know that our affordability based approach to lending can really help.

  • Free standard valuation on all HTB products
  • Mortgage offer valid for 6 months with extensions possible
  • 5% builders incentives accepted (not inc builders deposit)
  • Help to Buy England, London and Wales available

 

Home ownership made easy
How do I apply

Right to Buy

Our Right To Buy scheme is a great opportunity for council tenants to buy their homes at a discounted price.

  • Available on selected products
  • Available in conjunction with all standard criteria
  • No credit scoring
  • Lend 100% of discounted purchase price, up to a max 75% of open market value
Home ownership made easy
How do I apply

Buy to Let

Our unique range of Buy To Let mortgages have been designed to help first time landlords, self-employed people, and contract workers to enjoy the benefits of owning a second property. All our mortgages come with our no credit score guarantee.

  • First Time Landlords Accepted
  • No credit scoring
  • First time buyers accepted
  • Debt management plans accepted

How do I apply?

Learn More

Our support

Learn More

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Call us

Our lines are open

Mon-Fri 9:00am – 5:30am.
Calls may be recorded.

Customer Service numbers

Accounts beginning #1

0345 130 4386

Accounts beginning #2

0800 368 1834

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