Intermediaries
Welcoming business referrals
A dedicated relationship manager, a decision from the person who will underwrite the case, and a straight answer either way. Most of our business arrives through a large panel of professional introducers, and the reputation we have with them is the reason it does.
This information is for the use of mortgage intermediaries and other professionals only
- Within the hour
- decisions, normally
- From 0.69%
- per month
- Up to 80%
- loan to value
- £75k – £3m+
- £1m per security
Downloads
Forms and documents
Everything you need to place a case, and the regulatory material your own file will want alongside it. The three documents open in a new tab.
Product guide and application form are the current versions. If you are working from a printed copy, check the version stamp in the footer of the document against the ones above.
What your relationship manager offers
Regulated and unregulated bridgingYou are given one named person who knows your cases, and who can put you straight through to the underwriter when a case needs it. No call centre, and no waiting on a committee in another building.
Fast and reliable
An agreement in principle normally within the hour on acceptable cases, given by the person who will underwrite it rather than passed elsewhere.
Competitive lending terms
Rates from 0.69% per month, priced on the merits of the case. Every proposal is looked at on its own footing rather than scored against a grid.
Professional, knowledgeable
Relationship managers who know bridging and can guide a case through the process, and underwriters who will take a call about it before it is submitted.
Fast turnarounds
Funds can be released in as little as seven days. That is the quickest we have done rather than the usual timetable — it needs the valuation and the legals to run like clockwork.
A simple process
Minimum paperwork to get started. An application form, a summary email or a phone call — whichever suits you — is enough for us to tell you where we stand.
Generous procuration fees
Paid on completion. The rates by product are set out in the product guide below, alongside arrangement and exit fees.
Talk to the people who decide
Business development managers cover England and Wales and can be on a call with your client the same day. Underwriters, case managers and directors all sit together at Bank House, so a difficult case can be put to the person who will actually underwrite it.
Bank House, 8 Cherry Street, Birmingham B2 5AL
Monday to Friday, 9am – 5pm
0800 779 7097 · 0121 233 1188
Lending criteria
The full detail is in the product guideEnough to tell you whether a case is worth sending before you package it. Where a case sits outside these, it is still worth a call — a good deal of what we write started as a referral that did not obviously fit.
Borrower and security
- Clients
- Sole traders, partnerships and UK limited companies.
- Status
- Good credit history. Light adverse considered where the loan to value is low and the property attractive; medium to heavy adverse generally not considered.
- Age
- 21 to 85 years. Applicants over 75 are subject to Greenfield review.
- Locations
- England and Wales.
- Charge
- First charge, and first plus second charge on residential.
Loan and term
- Loan size
- £75,000 to £3,000,000+, with a maximum of £1m per security. Loans under £75,000 considered by referral.
- Maximum loan to value
- Up to 80%. The guide figure is a maximum and we reserve the right to restrict it case by case.
- How LTV is calculated
- On the lower of market value or purchase price, and inclusive of pre-calculated or rolled-up interest and fees — that is, on the gross loan.
- Term
- Minimum one month's interest. Maximum term varies by product, and is shorter on regulated loans — see the product guide.
- Rates
- From 0.69% per month, banded by loan to value and subject to the loading factors below.
Refurbishment bands
The valuer confirms that the figure is realistic. Where planning permission, building regulations or a change of use is required, the case is automatically classed as heavy.
- Light — typically 10% or less of property value to spend. No interest loading.
- Medium — typically under 20% of property value. Adds 0.1% per month.
- Heavy — typically 20% or more of property value. Adds 0.2% per month.
Property types we cannot take
Land · properties less than ten years old without an acceptable warranty · shared ownership · mobile homes and caravans · nightclubs · golf clubs · adult entertainment · kennels and catteries · equestrian centres · churches · petrol stations, current or former · agricultural · non-standard construction · anything the valuer deems unacceptable security.
Not an exhaustive list. Other unusual property types are assessed case by case, so ask rather than assume.
Rates shown are indicative and subject to interest loading on each case — typically for complexity, adverse, location and the overall strength of the proposal. Every case is underwritten on its own merits and remains subject to valuation, title and our usual checks. The product guide is the authoritative document for rates, fees and criteria.
Request a callback
Three fields. One phone call.
Leave your number and we will call you back the same working day. If you would rather talk now, the office line is answered by the lending team.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.