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First Time Buyer LTI Overview Lend up to  5.5x  loan to income (LTI)* Available for  FTBs only Available for standard  two-year, three-year and  five-year fixed rate mortgages Applicants must have a minimum income of  £30,000 (individually) or  £50,000 (combined) Overtime and 2nd job income accepted

Julie has been amazing! I went to her for a mortgage as a FTB and I was completely clueless about the whole process. She explained every step we’d go through, put me in touch with a solicitor, worked quickly and efficiently to sort the mortgage and various insurances out for me. She was kind and friendly throughout. I’d 100% recommend her services.

Today we are talking about Asset Finance for Machinery!! We wanted to share a recent success story with one of our loyal customers and how we supported him with raising cash, quickly and competitively, and worked out cheaper than a government-backed loan!   The Scenario:   We were recently approached by a customer in relation to raising £100k due to them starting a new multimillion-pound contract. They required the funds to carry out the initial surveys and sustain the initial outlay costs and needed to act quickly. The business had initially enquired about an unsecured cash flow loan, but this would have added monthly commitments and ourselves along with the customer quickly realised this was not the right thing to do!!     The Solution:   The business had 4 tractor units currently still on finance for over a year. We set out to obtain valuations and look at a refinance across our panel of lenders.   The Saving:   ü  £190,000 advanced from our chosen lender  ü  £70,000 settlement on c