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A high-street solution for customers with adverse history

If your customer has a low credit score, past defaults, arrears or a recently settled IVA, our Core and Near Prime Ranges – all designed to help you support more customers.

Download our Less than Perfect Credit Profile flyer to see exactly how we assess near prime residential applications and where your customers can fit.

Core & Near Prime Range highlights 

• Settled IVAs accepted day 1 on receipt of the completion certificate — no waiting period (Near Prime only)
• Broad criteria for CCJs and Defaults
• Utility and Communication Defaults ignored
• No cap on Unsecured Arrears if clear in the last 3 months
• Capital raising, including debt consolidation

All applications are subject to application score card and underwriting assessment.

For full details, please refer to our Mortgage Lending Criteria Guide and Product Guides.

In other news….

With effect from today, Thursday 22 January 2026, our Standard Variable Rate will be 7.25% for Residential and 7.75% for Buy to Let mortgages.

We’ve Super Charged Affordability

More borrowing power means more opportunities to place applications – we’ve strengthened affordability across our residential mortgage range. 

What’s changed?

• Enhanced income multiples for professionals – Eligible professional clients can now borrow up to 6x income.
• Improved access to higher income multiples on Core Range – We’ve unlocked 5x income from £70,000.
• Updated cost of living assessment – Affordability that reflects real life.
• Lower stress rate on 2-year fixed products – improving affordability and potential loan sizes.

Alongside these affordability enhancements, we’ve also updated our minimum leasehold criteria. Minimum lease now 85 years at application (new build properties require 125 years).

For full details, please refer to our Mortgage Lending Criteria Guide and Product Guides.