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People are complicated but mortgage lending doesn’t have to be. UTB (United Trust Bank) are a specialist bank based in the heart of London who support customers that are underserved by the high street. UTB offers a range of residential, buy-to-let and second charge mortgage products designed to offer flexibility and a common sense approach to mortgage lending.
Why choose UTB ?
Service is at the centre of what we do. We believe that a careful blend of technology and great people lead to an excellent customer experience. We are 100% intermediary focused offering competitive rates for your specialist mortgage needs, all in one place. Our expert underwriters manually underwrite each application giving us the ability to offer a flexible approach to lending, understand your customer and talk you through the requirements. Our field and telephone BDMs are on hand to make sure you have the right support when you need it.
Cases we can help you with:
United Trust Bank is a specialist lender offering a range of residential, buy to let and second charge mortgages to clients that require a bit more flexibility.
Residential Mortgages
We can help customers with complex income, self-employed, contractors and those with impaired credit. We can also support customers with properties nearby commercial premises like shops, pubs and restaurants and those made of non-standard construction like concrete, timber and steel framed.
Highlights:
- Lending between £25,000 – £2,000,000.
- Lending up to 95% LTV.
- 6x LTI to 85% LTV.
- Maximum age: 85 years.
- Interest-only – affordability assessed on interest-only payments.
- Self-employed – latest year accounts, not an average. Use salary and net profit.
- Contractors – day rate x5 x48 weeks.
- Support customers with impaired credit.
Buy to let Mortgages
Our buy to let range is designed to support landlords with non-standard property and construction premises and those with HMOs, MUBs and holiday lets. The products can help Limited Company SPVs and individual landlords.
Highlights:
- Lending between £50,000 – £1,500,000.
- Lending up to 80% LTV + fees.
- HMOs/ MUBs up to 10 rooms or units.
- Holiday lets and Airbnb – projections accepted.
- 10% more rental income accepted if evidenced.
- No minimum income required.
Second charge Mortgages
We can help residential borrowers fund a wide range of loan purposes including home improvements, debt consolidation, payment of personal tax bills as well as for the purchase of other property.
Highlights:
- Lending between £10,000 – £500,000.
- Lending up to 90% LTV.
- Up to 30-year term.
- Wide range of loan purposes accepted.
- Married sole applications accepted.
*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 BDM
07385 930 252
f [email protected]
Frankie Kitchen – London & Midlands BDM
07557 311 615
[email protected]
Rachel Shackleton – South BDM
07471 971 236
[email protected]
Mortgage Enquiries Team:
0207 031 1551
[email protected]