The only lender you'll need

Authorised and regulated by the FCA
First-time buyers
Home movers
Remortgages

Unbeatable

Service levels

App submission to offer
3 days
5 days with a physical valuation.
We reassess cases within 2 days.
Initial case review
24 hrs
Chat response time
25 secs
Phone pick up time
45 secs

Unbeatable

Service levels

Last updated:
22/5/23 9:15 am
All service levels are rough estimation across all lender's SLA webpages
The breakdown
Initial assessment
within 1 day
If your case is...
AVM eligible
1 day to approve
A desktop valuation
2 days to approve
A physical valuation
5 days to approve
Contact us
We answer the phones in
45 secs
We respond to live chat in
25 secs

We’re taking

a fresh approach

Applicants
Max age 85, which can be extended further with Ejector Seat
New builds
New build houses up to 90% LTV, new build flats up to 80% LTV
Buying group
Up to 6 applicants on a mortgage
Affordability
Up to 5.5x LTI on JBSP up to 85% LTV
Deposit
Deposit boosts can be 100% of the owners deposit

Your new

dedicated team

Say hello to a team that's actually on your team. Your Business Development Manager is a phone call or email away. They know your name, they keep in touch, and you won't have to retell your life story every time you need to ask a question.

End to end homebuying at high street prices

We’re doing everything we can to help more people become homeowners - that’s why we’ll always keep our rates as low as we possibly can.

Initial
5
-year fixed rates
Last updated:
22/5/23 9:15 am
Based on a £250,000 mortgage with a
20
% deposit, a
5
-year fixed rate with
no fee
over a 30 year term

Any
Questions?

What’s your maximum borrowing age, and what’s an ejector seat?

Our maximum borrowing age is 85 — that goes for homeowners and income boosters.

If your client’s affordability is limited by their income booster’s age, they might be be able to use our ejector seat feature.

With an ejector seat, we can build an ‘off-ramp’ for the income booster into the mortgage, using smart calculations to work out if the owners will be able to afford the mortgage on their own at that point. It means their mortgage term might not have to be constrained by when their income booster reaches 85.

Get in touch with the team to find out more!

Who can be a booster?

Income boosters need to be a family member: parents and step-parents, grandparents, siblings, aunts, uncles, or children.

Deposit boosters can be anyone the homeowners know — friends or family.

How can an income booster contributing to the monthly payments help with affordability?

If they want to, income boosters can contribute to the monthly payments.

This lowers the split of the monthly payments the owners have to pay, potentially increasing their affordability and borrowing potential.

If income boosters contribute, they can choose to treat it as a gift, or build up their own equity in the property.

Can you help with separations and transfer of equity?

Yes! If you have a client going through a breakup or divorce, an income or deposit booster could help them afford their home on their own.

Remortgaging with an income booster could help boost their affordability. Remortgaging with a deposit booster could help bridge the equity difference.

A deposit booster could also help bring down their LTV, letting them access more borrowing.

Can you help with paying off a Help to Buy loan?

Unfortunately, income boosters and deposit boosters aren’t available with an active Help to Buy loan.

However, if you have a client looking to pay off their Help to Buy equity loan, remortgaging to Generation Home with a capital raise up to 90% LTV could help them do it.

What are your policies on adverse credit?

CCJs and defaults over £100 have to be satisfied for three years. If under £100, we can sometimes consider these, subject to passing our internal credit score.

We can’t accept any missed mortgage payments in the last three months, or mortgages more than one month in arrears in the last three years.

Any unsecured lending in the last three years can’t be more than one month in arrears.

We can’t accept applicants who have had payday loans in the last 6 months, who have ever been bankrupt, or have had or plan to have an IVA or DMP.

Read more about our adverse credit criteria.