Specialist mortgages

Our JBSP arrangement allows family members to support each other with affordability when applying for a mortgage. Up to two occupying owners can live in the property and up to two family member(s) can support the occupying owner(s).

A JBSP arrangement is ideal for:

• First time buyers, or young borrowers wanting to step up the property ladder, allowing them to combine their income with the income of a family member(s) to maximise their mortgage, yet keeping sole ownership of the property. Family members can include parents, grandparents, siblings or aunts / uncles.
• Adult children assisting their parents, which is increasingly important as more people find they need to continue borrowing past retirement
• Couples with a Buy to Let property where the owning partner may not have sufficient independent income of their own.

Find out more about our JBSP offering here:
JBSP arrangement

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We offer Buy to Let expat mortgages for properties located in England or Wales. Applications for Owner Occupier expat mortgages for properties located in England or Wales can be made via an intermediary/broker.

We're able to lend to UK nationals aged over 18 who are working abroad, and whose families are remaining in the UK subject to certain conditions.

Our expat mortgages are only available on an Interest-Only basis. Please refer to our lending criteria for more information.

You can view our range of Expat mortgage products here:

For more information and acceptable products and countries of residence:

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If your work requires you to live away from your main residence, a loan on a second home may be considered, subject to affordability. Interest-Only loans are accepted on this basis.

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Whether you're an electrician, plumber, hairdresser or personal trainer, being self-employed can be a challenge but being accepted for a mortgage because you're self-employed shouldn't be. With our sensible take on your individual circumstances, income and trading history, we offer mortgages that could work for you. 

Subject to meeting our lending criteria and affordability, you're able to choose from any of our on sale mortgage products. 

You can find more information here:

Self-employed mortgages

Mortgage loans are available on an Owner Occupier basis subject to certain conditions. For example, if you are a member of the Armed Forces currently serving elsewhere in the UK or overseas, and the property has previously been used, or is intended to be used as your main residence in the future.

Applications will be assessed on an individual basis.

We now accept Forces Help to Buy (FHTB) as a source of funds for a deposit. For more information on FHTB, please visit the Forces Law website.

Flexibility to change occupancy status and subsequent product terms will be considered on request. This may be subject to standard fees and Early Repayment Charges.

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Mortgage applications on holiday homes are available, subject to affordability, which must be calculated against the applicants earned income without inclusion of any rental that may be received from the property. Interest-Only loan applications will be accepted on this basis.

It is intended that these properties should be for the applicants use, but the property may be occupied on a holiday let basis when the applicants are not in occupation.

Applicants with portfolios of holiday homes will not be permitted.

Holiday homes will not be accepted where there is a formal Assured Shorthold Tenancy (AST) or where they can only be used as a holiday home due to restrictive covenants within the deeds.

Maximum Loan to Value will be 70%.

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If you are currently in, or moving to, tied accommodation linked to your employment, such as a boarding school teacher, vicar / minster or an estate worker, we understand you may not occupy your property until your current employment finishes, which could be many years in the future. To help with this, you may wish to rent out your property.

We will consider these applications for residential mortgage customers who need to rent out their property under a consent-to-let arrangement.

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Do you hold a professional qualification, or are you training for one? If so, you may be able to borrow more with our Professional Mortgage.

A Loan to Income ratio is the amount you can borrow compared to how much you earn. This is used for assessing the monthly payments you can afford. Our Professional Mortgage allows you a higher Loan to Income ratio compared to our standard mortgages, so you may be able to borrow more - helping you get onto the property ladder, take that step up or remortgage your existing home.

At least one of the applicants must hold an acceptable qualification (or currently be training for such a qualification), and work within the field relating to that profession. For fully qualified professionals, they must have received their qualification within the last 10 years. Applicants will need to supply evidence that they hold an acceptable qualification (or are training towards this).

Find out more about our Professional Mortgage here:
Professional Mortgage

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