Limited product range? It’s just not us.

This information is for use by FCA authorised intermediaries only and must not be distributed to potential borrowers.

We’ve been working with intermediaries for over 25 years,

so we’d like to think that we know what a broker wants from

a lender.

Sounds simple. We’re here to make sure that it is...

A great product range

1

A great service

2

A happy client

3

In our experience, it’s three things:

We believe in making life easier for our brokers, not harder.

No two clients are the same. You know that and so do we.

That’s why we offer over 100 products across a whole variety of market sectors, so you can be confident that we’ll have the perfect fit for your client’s borrowing needs.

A great product range.

Discount Welcome Mortgage

Residential Mortgages1

Our interest only mortgages give your clients more flexibility, including the option to reduce the capital on an existing interest only mortgage.

• For interest only part and part we lend up to 75% LTV with 60% on interest only and the remainder on capital repayment

• Up to three repayment strategies can be used to cover the value of the interest only element

• We accept the equity from the sale of the client’s property or others they may have

• Selected products come with free valuation (valuation up to £999 and for properties valued up to £2m) and fees assisted legal services for standard remortgages

• No minimum income requirement (subject to affordability assessment)

We’ve a dedicated mortgage processing team and an account manager for new build mortgages, to work on your cases and smooth the journey from enquiry to offer and completion.

• For new build properties we can offer 90% LTV on houses and 85% LTV on flats

• We accept up to 5% vendor gifted deposits• We can extend our offer dates so clients don’t miss the

best deal due to building completion delays (this requires the case to be re-keyed)

Interest OnlyNew Build

Fixed Variable Tracker

We offer a full range of residential mortgages including fixed, variable, and tracker rates.

• No product fee on some remortgage products • Free standard valuation (valuation up to £999 and for

properties valued up to £2m) and fees assisted legal services for standard remortgages

• With our award winning* Welcome Mortgage your clients get 0% interest for the first 3 or 6 months of their term, then changing to a fixed rate for 2, 3 or 5 years

• Max age at term end: 80 years and max advance: up to £1.25m (on certain products)

• All current fixed, tracker, and welcome residential mortgage products have ERCs and allow 10% overpayments each year. Discount and variable residential mortgage products vary

• We offer a 95% LTV on residential lending• Lending into retirement is currently available across our

standard residential mortgage and remortgage range • Our lending into retirement tool can be found on our

website with details of the income evidence we require

*Innovator of the Year at Moneywise Magazine Mortgage Awards 2014 for the Welcome Mortgage

Whether your client is a first time landlord, building a property portfolio, or refinancing an existing property, our dedicated underwriters and investment product range can help.

Our assisted purchase offering includes shared ownership and Help to Buy equity loan mortgages.

Investment Mortgages

Affordable Homes Mortgages

• We lend up to 95% of borrower share on shared ownership properties

• We’ve been awarded the best shared ownership mortgage lender 2 years running*

• Minimum share to be purchased: 25% max share: 75%• Shared ownership arrangement must be through

a HCA registered provider or Registered Social Landlord• We accept up to 100% of the borrowers

share on Right to Buy

• We accept discounted market sales • Help to Buy products available for purchase and

remortgage across England, Scotland, Wales and London• We accept certain restrictive covenants subject to

appropriate cascade mechanisms where restrictions fall away in possession

• We calculate the Help to Buy affordability of the equity loan at 3%

2

3

Holiday Let Second Homes

* Best Shared Ownership Mortgage Lender at the 2016 and 2017 What Mortgage Awards

Right to BuyShared Ownership Shared EquityHelp to Buy

Buy to Let HMOPortfolio Landlords

• Dedicated holiday let products • Primary applicant must have a minimum income of £40k• Additional sources of income may also be considered

as part of the affordability assessment on Holiday Let applications

• No maximum tenancy term• First time and portfolio landlords accepted• No minimum income (evidence of income still required and

affordability will be assessed) • We lend on HMO properties with up to 5 bedrooms so long

as each tenant has an individual AST agreement• Experience as a landlord is required for HMOs and portfolio

landlords

Holiday letBuy to Let and HMO

• Maximum portfolio of 10 mortgaged rental properties• Maximum of 4 rental properties mortgaged with the

Society (BTL, Holiday Let or a combination)• Maximum LTV is up to 70%• Minimum ICR is 140%, payable on a stress rate of

5.5% for purchase and capital raising remortgages, and 5% for non-capital raising remortgages

• Maximum age at the end of the term is 85 years• Customers should own and occupy their own

residential property • Dedicated second home range for properties not

intended to be rented, interest only up to 70%, and part & part up to 75%, and capital and interest up to 85% LTV

To supplement our range, we make sure that our product criteria is equally tailored to the needs of your clients:

A flexible criteria.

95%LTV products available

Vendor and builder deposits accepted up to

5%

Self-employed – traded for 3 years we can accept an accountant’s certificate.

If less than 3 years, 2 years accounts can be accepted

Max age at the end of mortgage term

is 80 years for residential applications and 85 for rental

property applications

No minimum income requirements or maximum

tenancy for buy to let subject to affordability

Maximum portfolio of 10 mortgaged rental properties,

irrespective of lender.

Up to 4 of which can be mortgaged with us, whether

BTL, Holiday Let or a combination

Property related capital raising up to

90%LTV

95%of borrower’s share available

on shared ownership

Interest only up to

60%LTV

sale of property accepted as repayment strategy in certain

circumstances

Interest only part & part

75%LTV

(over 60% LTV must be capital repayment)

We accept up to 4 applicants on a mortgage using all incomes towards

affordability

Max new build LTV:

90% on houses,

85% on apartments

A competitive mortgage range. Now that is us.

Call your local Business Development Manager, or visit www.leedsintroducer.co.uk to find out more.

For existing applications please contact our service desk 0345 848 0061

This information is for use by FCA authorised intermediaries only and must not be distributed to potential borrowers.

Correct at time of print (October 2017)We may monitor and/or record your telephone conversations with the Society to ensure consistent service levels (including colleague training).