Who we are:
- Our Specialist Mortgage division offers residential, buy-to-let and second charge mortgage products designed for borrowers who are underserved by the mainstream mortgage market, funded by our savings and deposits divisions at the bank.
- Our criteria caters for those whose circumstances do not fit within many ‘high street’ lenders’ whether it be related to property type and construction, self-employed or complex income and those who have historically experienced imperfect credit.
- Our mortgage division is 100% intermediary focused and our fantastic people strive to provide successful outcomes when supporting our broker partners in their quest to deliver great customer outcomes.
- We deliver this through listening to feedback, adapting to change, embracing technology supported by a human touch in our sales and underwriting divisions.
- Our goal is to be the go-to lender for specialist mortgages.
What we do:
- Residential mortgages
- Buy-to-let mortgages
- Second charge mortgages
Customers we love to help:
- Properties with non-standard construction – concrete, single skin brick, steel framed, timber framed, glass, and many more
- Non-standard property types – flats above commercial, rural cottages, penthouses, high rise flats, balcony access, converted properties, properties with land and outbuildings
- Unencumbered properties – those without a mortgage or mortgage history
- Professionals and those with complex incomes – multiple income streams and irregular income
- Self-employed and contractors – Limited Company, sole traders and contractors
- People with a less than perfect credit history
- Buy-to-Let landlords large or small, individuals, limited companies (incl. SPVs), portfolio and non-portfolio, HMOs, MUBs, holiday lets and serviced accommodation
*Residential and BTL products from United Trust Bank can be accessed by using Dynamo for Intermediaries as your payment route or you can choose our expert packaging service for BTL cases. Please contact us for further details.