Tailored around diverse incomes, this product helps clients looking to maximise affordability, who fall outside ‘tick box’ underwriting.

Supporting high net worth, self-employed and unique borrowers that need greater financial flexibility, we get to know the lifestyles and goals of our customers.

Why choose us?

  • Hodge_Briefcase [Gold]

    All validated regular income considered for employed and self-employed

  • Hodge_Coin Hand [Gold]

    Multiple income streams accepted

  • Accountant [Gold]

    Affordability is assessed on your customer’s ability make the interest payment on an interest only basis, not on a full repayment basis

  • Handshake-Gold

    Dedicated underwriters experienced in income complexities

  • Hodge_Doc Search [Gold]

    All applications manually assessed on a case-by-case basis

Product summary

Product option2 Year Fixed Rate5 Year Fixed Rate
Loan to Value (LTV)90% maximum LTV for repayment
75% maximum LTV for interest only		90% maximum LTV for repayment
75% maximum LTV for interest only
Valuation FeesFree up to £1 million property valueFree up to £1 million property value
Minimum Loan£50,000£50,000
Maximum Loan£850k up to 90% LTV
£1m up to 85% LTV
£2m up to 75% LTV		£850k up to 90% LTV
£1m up to 85% LTV
£2m up to 75% LTV
Minimum Property Value£100,000£100,000
Maximum Property Value£10 million£10 million
Early Repayment Charges (ERCs)Fixed
Year 1 = 3%
Year 2 = 3%		Fixed
Year 1 = 5%
Year 2 = 4%
Year 3 = 3%
Year 4 = 2%
Year 5 = 1%

Criteria

  • Earned income accepted up to the age 80
  • 1 years trading accounts or the latest year where customers have been trading for more than 2 years regardless of LTV
  • Retained Profit (Ltd Co) accepted
  • Experienced fixed term and day rate contractors from day one with no minimum income requirements including gaps of up to 3 months
  • Multiple current and future income sources up to 100% including new LLP and Associates
  • Enhanced affordability including Loan To Income up to 6x joint
  • Agency and zero hours including locum doctors and dentists, bank nurses and supply teachers
  • Max 90% LTV capital and repayment with family gifted deposit or landlord gifted equity accepted
  • Max 75% LTV interest only with multiple repayment vehicles including downsizing

Credit, service & proposition

  • Maximum Advance
    • £850k up to 90% LTV
    • £1m up to 85% LTV
    • £2m up to 75% LTV
  • Free valuation up to £1m purchase price
  • Consent to let accepted
  • Free valuation and legal assist for re-mortgage
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Documents

Download forms and documents for your clients.

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View our rates

View our current mortgage rates here.

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Get in touch

Our Business Development team are on hand to answer any questions you may have, or chat through a case you’d like to discuss. Please call a member of the team on 0800 138 9109 or find your local BDM.

Find a BDM