The Stafford for Intermediaries

Who we are

An Individual Approach to Lending

We have been offering mortgages for over 140 years lending throughout England and Wales. We operate from a single site in the centre of Stafford, which means there are no call centres. You will always be able to contact a member of our mortgage team directly and can discuss your quirky cases with an underwriter directly.

Celebrating the Niches

Our proposition consists of 2 core areas which include Land and properties and income. These are all wrapped up in the most important factor that sets us apart from the herd....service We also credit check not score all our mortgage applications.

What we do

Land & Property  

• No limit on acreage
• Occupancy restrictions – Agriculture tie, section 106’s
• Overage clauses
• Small holdings for personal use
• Multiple properties – for our use or let out on BTL or HL
• Outbuildings/ Annex – For own use or let out on BTL or HL
• DIY liveries
• Small scale agricultural businesses
• Knock throughs
• Listed buildings
• Unusual properties – old B&B’s/nursing homes/shops being converted back to residential/ residential renovations/refurbs
• Flats above 4 floors

Income 

• Earned income to age 75 ( non-manual job)
• Max age at end of term 85
• 100% of bonus/commission/overtime with P60
• Latest years accounts with a steady increase
• Salary and dividends or net profit and salary with sustainability
• Professionals like Doctors and Dentists can consider 1yrs accounts
• Joining partnerships do not need to have 2yrs accounts
• Undrawn SIPP income -  can be used if could draw but choosing not to
• Undrawn Investment income – can use 5% of the total from managed portfolios
• 4 apps and 4 incomes

 Service 

• Dedicated BDM
• No call centre’s or long waits on the phone
• 24hr DIPs
• Direct access to the underwriters
• Morning referral meeting to discuss the more complex cases