Mortgages

If you’re looking for a specialist mortgage or remortgage, you're a landlord looking at holiday let or buy to let or you're a professional who wants a mortgage tailored to you, let us help.

Why choose us?

As a specialist mortgage lender, we’ve designed our mortgages with you in mind. Whether you’re over 50 and looking for a mortgage or to re-mortgage, you’re looking to invest in a holiday home or property portfolio, or you’re a professional who wants a mortgage tailored to you, let us help.

We’ve created a range of solutions catered to your specific needs. From interest only to fixed term options and mortgages you can secure for life, we’ve focused on opening up your options.   

Take a look at our various solutions and discuss with a financial adviser or mortgage broker to find out which is right for you.

  • Thousands of customers trust us with their mortgages. With almost 60 years of experience, you’re in safe hands.
  • We treat you as an individual, because we recognise every customer is as unique as the mortgages we offer.
  • A dedicated team of experts are on hand to help and support you throughout your journey

Take a look at our mortgage options below

Our 50+ Residential Mortgage

What is it?

Our 50+ mortgage is designed for borrowers over the age of 50. Available as repayment or interest only option.

Who's it for?

In short, people over 50 who need a mortgage. If you know when and how you’d like to become mortgage free, our 50+ mortgage allows you to keep your mortgage payments into retirement.

How it works

We offer both an interest only and repayment option. You can choose to fix the interest rate for 2 or 5 years.

Benefits

You get a financial solution catered for your life stage and you get to keep equity in your home. Plus, you can choose the loan term you’re comfortable with.

Our RIO Mortgage

What is it?

A RIO is a retirement interest only mortgage, on your main property, that you have for life. There’s no end date, and you’ll make interest payments each month.

Who’s it for?

It’s designed for people over 50, and you’ll need to be between 50-88 when applying. You don’t have to be retired.

How it works

You’ll make monthly interest payment, and only pay off the loan when you sell your home. You can choose to fix the interest rate for 2 or 5 years.

Benefits

Have the peace of mind of having a mortgage in place for life, or as long as you need it.

Our Holiday Let Mortgage

What is it?

Whether you’re buying a holiday let or changing your existing property portfolio into holiday lets, this mortgage has everything you need to make the most of your financial investment.

Who’s it for?

Designed for landlords with properties they’d like to let out on a short-term basis as holiday accommodation. Borrowing available for properties all over England, Scotland and Wales and a range of flexible options for you to choose from.

How it works

We offer both an interest only and repayment option. You can choose to fix the interest rate for 2 or 5 years.

Benefits

Becoming a holiday let landlord could earn you a healthy income. We will lend on up to 3 holiday lets and we welcome Airbnb properties. Plus, you can stay in your property for up to 90 days a year.

Our Professional Mortgage

What is it?

Designed for newly qualified and established professionals, we have a range of mortgages specifically designed to support you on your property journey. Find the full list of accepted qualified professions in the find out more section.

Who’s it for?

Self-employed, newly qualified or experienced professionals, the Professional Mortgage offers the benefits of a bespoke mortgage together with a quick and smooth mortgage offering.

How it works

We offer both an interest only and repayment option. You can choose to fix the interest rate for 2 or 5 years.

Benefits

A fast and flexible approach to your application, we’ll consider all validated income streams from as little as just one year’s accounts. We can offer income multiples of up to 6 times income. We also lend on new build properties and include income from a ‘non-professional’ joint applicant.

Find an adviser with unbiased

We don’t offer mortgages directly to the public. It’s a big decision, and you’ll need to speak to a financial adviser to make sure it’s the right one for you. If you don’t already have an adviser, you can start your search, using unbiased.co.uk.

Find a broker

Mortgage FAQs

A mortgage term can range from six months to 10, 25 or 30 years. The mortgage term you’re offered will depend on the lender, your circumstances and the monthly payments you can afford.

Securing a mortgage with us will depend on your personal circumstances and the property you want to mortgage. We recommend you speak to a financial adviser to get specialist mortgage advice and to discuss your options if you have bad credit.

There are things you can do to improve your credit rating such as reviewing your credit reports, making sure you don’t miss any payments and keeping balances low on credit cards. Visit Money Helper to find out more.

Yes, we recommend speaking to a mortgage broker as they can help you save time and money by helping you find the right mortgage product for your circumstances. Use unbiased.co.uk to start your search for a specialist mortgage broker.

Stamp duty is a tax the buyer pays for acquiring or selling a UK property or land, and is based on percentages. The amount you pay on stamp duty will depend on the value of the property you buy, whether it’s your first time on the property ladder and whether you intend to live in the property or rent it out. Stamp duty thresholds differ across the UK and are dependent on the tax band of the property. Your financial adviser can advise on stamp duty thresholds and guide you on how much you’re expected to pay based on the number of properties you have and the value of them.

Your home may be repossessed if you do not keep up repayments on your mortgage