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Your clients are unique. So are our mortgages.
Who are UTB ?
A specialist lender that offers residential, buy to let and second charge mortgages.
What makes UTB different?
We don’t restrict LTV when a property is close to or touching a commercial premises (e.g. pub, shop, restaurant, train station, petrol station). The same rule goes for non-standard construction too meaning we will go up to 95% LTV for residential, 80% LTV for buy to let and 90% LTV for second charge lending!
How can we help you?
We offer flexibility when it comes to our mortgages and can help with complex income, self-employed and imperfect credit.
Residential Mortgages
- Loans from £25k to £2m
- Up to 95% LTV — no restrictions on proximity to commercial or construction
- 6x income accepted up to 85% LTV
- Debt consolidation up to 95% LTV
- Sole applications from married clients accepted
- CCJs and defaults acceptable
- AVMs up to £250k and 85% LTV
- Available across England, Wales, and Scotland
Buy to let Mortgages
- Loans from £50k – £1.5million
- Up to 80% LTV + fees =<2% (no restrictions on proximity to commercial or construction)
- HMOs, MUBs and holiday lets (no portfolio limit)
- 1 applicant needs to be < 85 at the end of the term
- Investor dominated developments – subject to referral
- Rental agreements > £100,000 per year considered (subject to referral)
- England and Wales only
Second charge Mortgages
- Loan from £10k – £1million
- Up to 90% LTV (no restrictions on proximity to commercial or construction)
- Fee free options available
- Unlimited overpayments
- Flexible loan purposes
- AVMs up to £250k and 85% LTV
- CCJs and defaults < £300 ignored
*Conditions may apply, please read our lending criteria or speak to a member of our team for more information
Property type (including above commercial, ex-local, high rise, farmhouses and grade 2 listed)
Complex income (self-employed, multiple income, contractors and 0 hours)
Non-standard construction (concrete, steel framed, timber framed and single skin brick)
imperfect credit (CCJs, Defaults and missed mortgage payments)
Tools and Useful Links
Online Criteria Guide
Industry Insights
Documents
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Getting in Touch
Speak to our team:
Frances Arnold – North & Scotland BDM
07385 930 252
f [email protected]
Frankie Kitchen – London & Midlands BDM
07557 311 615
[email protected]
Rachel Shackleton – South & South Wales BDM
07471 971 236
[email protected]
Mortgage Enquiries Team:
0207 031 1551
[email protected]