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.'

Some Buy to Let, House in Multiple Occupancy & Holiday Let Mortgages are not regulated by the Financial Conduct Authority.


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