• Manual Underwriting
We take the time to assess every case individually, providing solutions for clients with complex income structures or non-standard circumstances.
• Stress Testing
Our 5 year mortgages provide stability of interest payments and as a result, we can offer higher loan sizes on these products.
• Improved Affordability
EPC A/B properties on average cost less to run, therefore your clients can get a boost in maximum loan size, up to £24k.
• No Credit Scoring
Unlike many lenders, we don’t use automated scorecards, giving us the flexibility to consider clients who might not meet rigid criteria elsewhere.
• 5% Builder Incentives
We allow up to 5% builder incentives within our criteria, offering more options for your clients purchasing new-build homes.
• Fixed-Rate Options
Our Shared Ownership range includes competitive 5-year fixed-rate products, giving your clients payment stability and peace of mind.
• Upfront Case Reviews
For non-standard cases, we provide an upfront case review to ensure clarity and a smoother application process.

• We lend on new-build homes, including flats, up to 95% Loan to Share.
• Available across England and Wales.
• Designed to meet the needs of first-time buyers and those with smaller deposits.
• A flexible approach that fits within Shared Ownership schemes, helping clients buy their share and progress toward full ownership.