Compare Mortgages

'Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.'


Criteria overview:

  • Market-leading rates.
  • Up to 95% LTV.
  • Fixed and variable rates.
  • Interest-only options.
  • Products with no fees, no ERCs and cashback deals.
  • Lending in England, Scotland and Wales

  • Typical client scenarios: residential mortgage

  • High-value properties.
  • Right to buy, including flats above 10 floors, even with adverse credit.
  • Shared ownership.
  • Help to buy.
  • Non-standard construction properties.
  • Listed buildings.
  • Flats above commercial premises.
  • High loan to value mortgages, including new build houses and flats.
  • Capital raising re-mortgages to settle current debt management plans – up to 90% LTV.
  • Fees free 90% LTV, purchase and re-mortgage.
  • Sale at undervalue/gifted equity.
  • First-time buyers.
  • Self-employed with one year’s accounts/SA302.
  • Lending into retirement.
  • Gifted deposits.
  • Contractor mortgages.
  • Interest-only mortgages.
  • Income stretches.
  • Income made up of pension or benefits only.
  • Adverse credit history.
  • Buy to let mortgages

  • Typical client scenarios: buy to let mortgage

  • Portfolio Landlords (3+ properties)
  • Mortgages in personal name, limited company/LLP (SPV & trading companies).
  • Flexible rental calculations.
  • Personal income/asset top-ups for rental coverage.
  • High value properties.
  • Large portfolios.
  • Houses of multiple occupancy and student lets.
  • Multi-units (i.e. four flats on one freehold title).
  • Short term lets (Airbnb and similar).
  • Holiday lets
  • Unusual property types.
  • Listed buildings.
  • Flats above commercial premises.
  • Refurb to let products.
  • Day one re-mortgages.
  • No minimum income/self-funding BTLs.
  • First-time buyers and first-time landlords.
  • High loan to value mortgages.
  • Adverse credit history