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Residential mortgages from 5.69%
Harpenden Building Society Our Residential mortgages..
- Residential – from 5.69% – Max LTV 80% Rep / 75% IO
- Residential (Large loan) – from 5.79%* – Max LTV 75% Rep / IO
We manage complex cases, offer bespoke solutions and provide flexible underwriting.
We provide individually underwritten mortgages tailor-made to the customer’s needs. We see opportunities within specialist lending and complex income and have the expertise and experience to specialise in managing complex cases.
OUR RESIDENTIAL MORTGAGES
RESIDENTIAL• Up to four borrowers per application• Can accept income from all four borrowers• Interest only available up to 75%• Properties with an annexe intended for Let or use by friends or family are accepted. Up to 50% of the total floor area can be let• We offer a manual underwriting process and work with you every step of the way
RESIDENTIAL LARGE LOAN• Up to four borrowers per application• Can accept income from all four borrowers• Borrowing of £2.5M available up to 65% Max LTV
RESIDENTIAL IN RETIREMENT• Where any applicant is already retired or is above age 75 at the start of the mortgage• Up to four applicants considered and not all applicants have to reside in the property• Can accept income from all four borrowers• Up to 70% LTV available
Complex income✔ We’ll use 100% of bonus, commission and overtime if 2 years can be proved✔ Pension, rental income, investment income, trust income and maintenance all considered at 100%✔ Minimum 1 years self-employment required and latest years income considered (projection required)✔ Up to 4 borrowers per application, with all incomes included✔ Top slicing considered on BTL and Holiday Lets✔ Unusual property types considered, including up to 3 properties on one title✔ Large loans on residential
Our BDMs are very experienced with complex cases. Mortgage applications assessed by a mainstream retail lender can’t always accommodate customers with a complex income and can be rejected by algorithms.