First time buyer
100% plus mortgages
Employed / Self Employed / Self Certification
Cash back mortgages (cash back for any use)
No Mortgage Indemnity Guarantee
Up to 4 times income multiples





Remortgage / Mover
Up to 125% LTV
To reduce your monthly outgoings
To reduce your mortgage interest rate
To obtain flexibility of payments
To consolidate existing debts
To release lump sums



Flexible repayment plans
Up to 125% LTV
Employed / Self-Employed / self cert
To reduce total interest paid to lender
To reduce the term of the mortgage.
To make overpayments
To take payment holidays
To make lump sum payments
To link to current account
To obtain a credit card facility






Self-build
Up to 95% of value of land
Up to 95% of value of finished property
Stay in your own home whilst building
Up front stage payments throughout build




Right to Buy
Up to 100% of discounted price
Ex-council properties
Ex housing association properties
Ex private sector properties
To save on rental expenditure
To lower monthly payments in most cases




Buy to Let
Up to 80% LTV
Employed / Self-Employed / Retired
Unlimited number of properties
Can be Interest only, or Repayment
Existing mortgage not taken into account
To Increase your income whilst working
To provide future retirement income (pension)
To provide future retirement nest egg
To take advantage of any possible future
       property value increases




Let to Buy
Up to 95% LTV
Full status
Self Cert
Employed
To let existing property to buy another





Special mortgages
Foreign property mortgages
Ex Pat mortgages
Foreign nationals mortgages
Commercial mortgages




Equity Release
To release the equity in your home
       to supplement your income in retirement
To release capital for other needs:
       holidays/health/new car etc
To release capital for other investments to
       provide extra income in retirement




Self-Certification
Up to 95% LTV
Employed (6 months employment)
Self-employed (1yrs accounts)
Non provable income
No income verification from employer




Adverse / Credit Repair
Up to 95% LTV
Employed - Self Employed - Self cert
Full status
After 2yrs return to SVR rates
Arrears and missed payments
Unlimited CCJ's cleared or not
Discharged bankrupts
Buy to let - Right to Buy