Aldermore announced some product changes. See below for more information. For information on their current products and criteria call our team or click here. REMEMBER, you can access the Aldermore range using our Direct to Lender mortgage club so do contact us for further information. For any Documents Click here. Calculators Click Here.
A specialist approach that turns complex cases into completed mortgages
Do you have self-employed clients with complex or non-standard income?
Did you know we offer flexible and common-sense lending for self-employed clients, contractors, CIS workers and zero-hour earners. With manual underwriting and real solutions.
Flexible income assessments
For directors we’ll work off latest years’ accounts, using the highest of salary + dividends, or salary + share of net profit (for applicants with two years’ accounts).
More borrowing power
Up to 90% LTV with 1 year’s accounts and 95% LTV with 2 years’ accounts, with up to 6x income for eligible borrowers.
Zero-hours workers welcome
12 months’ income history for professional roles and 2 years’ evidence at the same employer for non-professionals.
Flexible options for contractors, including CIS
12 months’ contractor history required, or 24 months in a similar role if they’re new to CIS.
If you’ve got clients who don’t fit the standard mould, we’d love to help. Click below for the full details and case examples.