United Trust Bank

Who we are

• Our Specialist Mortgage division offers residential, buy-to-let and second charge mortgage products designed for borrowers who are underserved by the mainstream mortgage market, funded by our savings and deposits divisions at the bank.
• Our criteria caters for those whose circumstances do not fit within many ‘high street’ lenders’ whether it be related to property type and construction, self-employed or complex income and those who have historically experienced imperfect credit.
• Our mortgage division is 100% intermediary focused and our fantastic people strive to provide successful outcomes when supporting our broker partners in their quest to deliver great customer outcomes.
• We deliver this through listening to feedback, adapting to change, embracing technology supported by a human touch in our sales and underwriting divisions.
• Our goal is to be the go-to lender for specialist mortgages.

What we do

• Residential mortgages
• Buy-to-let mortgages
• Second charge mortgages

Customers we love to help:

• Properties with non-standard construction - concrete, single skin brick, steel framed, timber framed, glass, and many more
• Non-standard property types – flats above commercial, rural cottages, penthouses, high rise flats, balcony access, converted properties, properties with land and outbuildings
• Unencumbered properties – those without a mortgage or mortgage history
• Professionals and those with complex incomes – multiple income streams and irregular income
• Self–employed and contractors – Limited Company, sole traders and contractors
• People with a less than perfect credit history
• Buy-to-Let landlords large or small, individuals, limited companies (incl. SPVs), portfolio and non-portfolio, HMOs, MUBs, holiday lets and serviced accommodation