It’s a timely reminder that we can help you with all your borrowing needs – whether it be for you, your children, or your grandchildren. We offer a range of different lending options for clients and families, specialising in arranging short to medium-term mortgages and loans secured against residential property, spanning owner-occupied and buy-to-let property.
Borrowing solutions tailored for you
Our approach to lending is flexible, which can be is beneficial to professionals who have a complex income structure. For example, your monthly salary may make up a small fraction of your total income, which is instead paid through bonuses or profit distribution. We can tailor repayment plans to individual circumstances (capital reductions can be timed to coincide with bonuses, for instance) and offer interest-only loans.
Mainstream lenders may not be able to cater to these specific needs. However, when other banks might say no, we always try to find a way to help our clients. Rather than relying on the rigidity of credit scoring, we look at the full picture of your finances to make a pragmatic, informed decision.
We also give equal consideration to all our mortgage and loan applicants regardless of your residency status or whether you hold investments with us. And, unlike many lenders, we will consider applications from borrowers over the age of 70. We take assets into account such as investments, or land and can also look to guarantees as a means to support borrowing.
Borrowing, particularly to buy a property, can be stressful but we endeavour to make the process as straightforward as possible. We pride ourselves on being a completely dependable partner. So, when you apply for a mortgage or loan with us, in addition to personal attention from our private banking team, you can expect:
- a quick decision on your application
- stress-free arrangement from start to finish
- easy access to the people who make the decisions
- clear, simple communication to keep you up to date
- us to work directly with surveyors and lawyers on your behalf
If you are interested in discussing our lending solutions, please speak to your private banking team.
Important information
Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured against it.
Our mortgages and loans are subject to underwriting and criteria. You must be 18 years or over to apply for a mortgage or other loan secured on your property. Terms and conditions apply.