We are committed to offering highly efficient, personal customer service and developing strong working relationships with our brokers. This is achieved by offering a combination of competitive mortgages and common sense underwriting.

What makes us different?

• Competitive procuration fees
  
• We do not credit score applications
  
• We do not operate a call centre
  
• Easy access to decision makers
  
• Low arrangement fees

Where do we lend?

The purchase property must be located within either B, DY, WS or WV postcode areas.

Application forms and KFI request

If you would like to download a copy of our Agreement in Principle form please click here. The completed form should be faxed to the number detailed on the form. Our Business Development Manager will then contact you within 24 hours of receipt with a decision.

Please note that a completed budget planner must be forwarded with any mortgage application.

If you would like to download a copy of our residential mortgage application click here.
(Available for mortgage intermediaries only)

If you would like to request a Key Facts Illustration please call our Business Development Manager on 0121 521 4028 or click here and email your request. A copy of the Key Facts Illustration will then be emailed back to you as instructed.

Procuration fees

Procuration fees
Fee amount	0.3% of the mortgage advance.
Minimum fee	Minimum fee of £175.
Maximum fee	Maximum fee of £1,500.
Payment	Procuration fees are paid the month after completion.

Please note that we do not pay procuration fees for applications with an adverse coal mining report.

Downloadable forms

To download any of our forms click on the links in the table below.

Downloadable forms

Mortgage application form

Agreement in principle form

Broker assistance

If you would like to contact our Business Development Manager please click here.

For details of our income multiples please click here.

For details of our lending criteria please click here.