New Criteria Improves Mortgage Affordability

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New Criteria Improves Mortgage Affordability

This morning I am bringing you news of some updated mortgage criteria from one of our lenders that goes live today.

Highlights of the changes include:

Debt Management Plans now accepted
85% LTV with adverse available
5 year fixed rates from 3.49% with affordability calculated on initial rate
5 year fixed rates with zero product fee, a refund on valuation and £300 cashback
Lifetime trackers from 3.19%
Help to buy with 4% cashback to help meet costs
Right to Buy – available at 90% and 100% of the discounted purchase price

If you have an enquiry, then please call 010902 585052.

www.promisemoney.co.uk

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Whole-of-Market Guidance for Specialist Mortgages

Securing competitive terms on specialist mortgages requires expert underwriting knowledge. In addition, our specialist broker team works directly with over 90 specialist lenders across the UK.

Consequently, reviewing your specialist mortgages options with an FCA-authorised specialist credit broker ensures whole-of-market access while avoiding unnecessary fees and delays.

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Key Takeaways: Specialist Mortgages Summary

Additionally, property valuations can often be expedited, significantly reducing upfront costs and surveyor delays.

Furthermore, specialist residential lenders assess affordability based on real financial circumstances rather than automated credit scoring.

Consequently, home buyers and refinancing borrowers can secure competitive rates across 90+ UK specialist lenders.

Therefore, working with Promise Money ensures you compare optimal rates and terms for your borrowing needs.

Specifically, flexible repayment options—including fixed-rate and tracker structures—can be tailored to protect your household budget.

Moreover, mortgage facilities can be structured with clear terms to support future financial flexibility and peace of mind.

In addition, non-standard properties and self-employed applicants can be financed without high street retail banking restrictions.

Crucially, borrowers facing historic credit blips or complex income can secure competitive mortgage terms through our panel.

In practice, working with experienced mortgage advisers prevents administrative hold-ups and keeps advice fees completely transparent.

Above all, establishing verified income documentation and property details ensures smooth facility approval.

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