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Low deposit mortgages
Helping your first time buyer clients and those with a smaller deposit onto the property ladder
Place your case Place your case
If your client is looking to buy their first home, or has
a smaller deposit amount, and doesn’t fit the criteria
of other lenders, our flexible lending criteria can
make a mission impossible, possible.
Our underwriters treat each case individually, giving
us a more in-depth understanding of each mortgage
application. This means that we can consider
your first time buyer clients, and those with a small
deposit, even if they only have a year’s history as a
contractor, or a small credit ‘blip’ on their file.
Use our mortgage calculator to work out how much your client could borrow with us.
We define first time buyers as those who have not held a mortgage or owned an unencumbered property in the last 12 months.
Completion fees cannot be added to applications over 90% LTV.
The detail
95% LTV available up to £500,000
Limited or no credit history considered
Loans available up to £1 million
- Gifted deposits from immediate family members accepted
- Self-employed affordability based on latest years accounts
- Free valuation included up to 90% LTV
- Help to Buy Wales accepted
- Underwriter decision – not automated score
