Monday 1 December

For a residential mortgage, which Lenders would lend over 75% LTV for a foreign national without permanent rights to reside?

80-85% LTV: Beverley BS, Buckinghamshire BS, Cambridge BS, Foundation Home Loans, Gatehouse Bank, Hodge, HSBC UK, Mansfield BS, Suffolk BS, The Mortgage lender, Tipton & Coseley BS, Vida home loans

90-95% LTV: Barclays, Chorley BS,  Darlington BS,  Gen H, Halifax, Hinckley & Rugby BS, Metro Bank, NatWest,  Nottingham BS, Perenna, Principality BS, Skipton BS and West One.
Please note, foreign national policies and LTVs are commonly dictated by varying criteria such as address history, visa expiry dates and minimum incomes. For further assistance, please contact the Mortgage Helpdesk!


Spotlight on Skipton
Applicants on a Visa are acceptable, and income may be used in the affordability calculation subject to the following:

• Minimum 1 year of residency in the UK.
• Maximum 90% LTV (the LTV restriction can be disregarded where one or more applicants are UK nationals or have Indefinite Leave to Remain).
• Minimum 2 years remaining on the Visa*.

*In cases where the remaining time on the Visa is less than 2 years, we may be able to consider the application. However, if the remaining time on the Visa is less than 6 months, then the application is unlikely to be approved.
See criteria

 

Tuesday 2 December

For a Construction Industry Scheme (CIS) contractor, which Lenders will not treat the applicant as self-employed and use the CIS vouchers for affordability?

Bluestone Mortgages, Halifax, Hinckley & Rugby BS, NatWest, Newbury BS, Pepper Money, Saffron BS, Skipton BS, The Mortgage Lender and United Trust Bank.

Wednesday 3 December

Which Lenders would consider using earned income up to the age of 75*, without proof of pension?

Aldermore, Barclays, Beverley BS Bluestone Mortgages, Buckinghamshire BS, Cambridge BS, Chorley BS, Clydesdale Bank, Co-operative Bank for Intermediaries, Darlington BS, Dudley BS, Earl Shilton BS, Family BS,  Foundation Home Loans, Gatehouse Bank, Gen H, Halifax, Harpenden BS, Hinckley & Rugby BS, Hodge , Kensington, Leeds BS, LiveMore, Market Harborough BS, Mansfield BS, Marsden BS, Melton BS, Metro Bank, NatWest, Nottingham BS, Pepper Money, Principality  Saffron BS, Santander, Suffolk BS, The Stafford BS, Tipton & Coseley BS, Virgin Money, and West One.
 

Thursday 4 December

Which Lenders will allow the applicant to use their excess personal income towards the rental calculation for a buy to let mortgage (top-slicing)?
Accord, Bank of Ireland, Bath BS, BM Solutions, Buckinghamshire BS, Cambridge BS,  Dudley BS, Gatehouse Bank, Hampshire Trust Bank, Hanley,  Harpenden BS, Hinckley & Rugby BS, Kensington, Leek BS, Mansfield BS, Market Harborough BS, Metro Bank, Market Financial Solutions, The Loughborough BS, Newbury BS, Penrith BS, Precise, Saffron BS, Skipton BS, Together, Virgin Money and Zephyr Homeloans.

In addition, the following Lenders allow lending based purely on affordability, similar to a residential mortgage:
Barclays, Clydesdale Bank, The Co-operative Bank for Intermediaries, Dudley BS and Vernon BS.
 

Friday 5 December

Which Lenders will consider lending to a first time landlord purchasing a HMO property?

Castle Trust Bank, Foundation Home Loans, Hampshire Trust Bank, Kent Reliance, Kensington,  Market Financial Solutions,  Quantum Mortgages,  Together, Vida home loans and West One.

Keystone and Landbay - No experience required for up to a 6 bedroom property.

Castle Trust Bank , HTB, Market Financial Solutions, Quantum Mortgages, Together and West One- would even consider a first time buyer!

Saturday 6 December

The Paradigm Elves aren't here at the weekend but their tip for the weekend is to sign up to Paradigm's CPD Academy to access CPD content and easily record your CPD hours. Our FREE Academy also allows advisers to access a wide range of Mortgage, Protection, General Insurance, Pensions, Financial Planning and lots more CPD activities. You can also use the tool to record the activity you have completed so you can access a running total of your CPD hours throughout the year.

We now have over 3,800 individuals registered for the Academy and over 100,000 hours of CPD have been recorded – So what are you waiting for?!

Find out more and sign up for free here.

Sunday 7 December

The Paradigm Elves aren't here at the weekend but their tip for the weekend is to sign up to Paradigm's CPD Academy to access CPD content and easily record your CPD hours. Our FREE Academy also allows advisers to access a wide range of Mortgage, Protection, General Insurance, Pensions, Financial Planning and lots more CPD activities. You can also use the tool to record the activity you have completed so you can access a running total of your CPD hours throughout the year.

We now have over 3,800 individuals registered for the Academy and over 100,000 hours of CPD have been recorded – So what are you waiting for?!

Find out more and sign up for free here.

Monday 8 December

Which Lenders do not have any minimum income requirements for an interest only mortgage, and will also allow sale of subject property with less than £250,000 equity as the repayment vehicle?

Beverley BS, Buckinghamshire BS, Cambridge BS, Chorley BS, Dudley BS*, Family BS*, Foundation Home Loans,  Harpenden for Intermediaries, H&R for Intermediaries, Kent Reliance,  Leeds BS * ,  Lendinvest, LiveMore*,  Mansfield BS,  Newcastle BS, Nottingham BS, Penrith BS, Perenna**, Principality, Tipton & Coseley BS and West One.

*Equity requirements are area dependent 
**Perenna - £150,000 outside of London and South    East/£300,000 inside London and South East
 

Tuesday 9 December

Which Lenders can ignore minor shareholders (less than 20%) on an application of a limited company (SPV) for a buy to let mortgage?

Aldermore, Bluestone Mortgages, Buckinghamshire BS, Cambridge BS*, Chorley BS, Foundation Home Loans, Kensington, Kent Reliance, Leeds BS, Lendinvest, Mansfield BS, Melton BS, Pepper Money, Precise, The Loughborough BS, The Mortgage Lender, Vida Homeloans and West One.

*Must be satisfied upon completion 
 

Wednesday 10 December

Which Lenders would consider an applicant with an active Debt Management Plan?

Aldermore, Bluestone Mortgages, Buckinghamshire BS, Cambridge BS*, Chorley BS, Foundation Home Loans, Kensington, Kent Reliance, Leeds BS, Lendinvest, Mansfield BS, Melton BS, Pepper Money, Precise, The Loughborough BS, The Mortgage Lender, Vida Homeloans and West One.

*Must be satisfied upon completion
 

Thursday 11 December

Which Lenders will treat a 25% shareholder of a limited company as employed?

• Family BS, Melton BS, Principality up to 33% shareholding allowed.
• Hinckley & Rugby BS – Any shareholding above 25% would be classed as self-employed (25.1%+)

 

Friday 12 December

Which Lenders will allow debt consolidation up to 90% and will not leave the repaid debts in the affordability check?

Cambridge BS, Chorley BS, Kensington, Kent Reliance, Lendinvest, Mansfield BS, Pepper Money, Precise and West One

Saturday 13 December

The Paradigm Elves aren't here at the weekend but their tip for the weekend is a reminder of all the different ways that Paradigm can help and support you:

• Unique, transparent profit share scheme giving ALL firms a 50% share of overrides received
• Market-leading procuration fees
• 24 hour proc fee payment promise, and access to our Proc Fee portal
• Most comprehensive DA protection & GI proposition, including Individual, Group, GI and PMI – with no loaded premiums
• Mortgage & Protection placement helpdesks, which includes our unique Building Society mailbox and supports the placing of complex cases for mortgages and protection.
• Ongoing training and support including access to Mortgage CPD events
• Bespoke compliance packages tailored to firms’ needs including consultancy support covering audits, file reviews, training support. We also offer up to 6 months of genuinely free compliance support. 

Find out more here and get in touch if you have any questions – we’d love to hear from you! You can request a call back here and someone will be in touch during normal working hours
 

Sunday 14 December

 
The Paradigm Elves aren't here at the weekend but their tip for the weekend is a reminder of all the different ways that Paradigm can help and support you:

• Unique, transparent profit share scheme giving ALL firms a 50% share of overrides received
• Market-leading procuration fees
• 24 hour proc fee payment promise, and access to our Proc Fee portal
• Most comprehensive DA protection & GI proposition, including Individual, Group, GI and PMI – with no loaded premiums
• Mortgage & Protection placement helpdesks, which includes our unique Building Society mailbox and supports the placing of complex cases for mortgages and protection.
• Ongoing training and support including access to Mortgage CPD events
• Bespoke compliance packages tailored to firms’ needs including consultancy support covering audits, file reviews, training support. We also offer up to 6 months of genuinely free compliance support. 

Find out more here and get in touch if you have any questions – we’d love to hear from you! You can request a call back here and someone will be in touch during normal working hours

 
 

Monday 15 December

Which Lenders can consider using the latest year’s net profits for self-employed director of a Limited Co?

Aldermore, Beverely BS, Cambridge BS, Coventry, Earl Shilton BS, Family BS, Furness BS, Gen H, Harpenden BS, Kensington, Lendinvest, Mansfield BS, Pepper Money, Saffron BS, The Mortgage Lender, The Loughborough BS, Together, and United Trust Bank.

Tuesday 16 December

Which Lenders may be able to consider an application that has multiple defaults registered within the last 3 years (36 months)?

Aldermore, Bluestone Mortgages, Hinckley & Rugby BS, Kensington, Lendinvest, LiveMore, Pepper Money, The Mortgage Lender, Together, Precise, United Trust Bank* and West One.

*Depends on the default

Wednesday 17 December

Which Lenders would allow a self-employed applicant to have been trading for a period of 12 months?

Aldermore, Beverley BS*,  Bluestone Mortgages, Dudley BS, Foundation Home Loans, Halifax, Harpenden BS, Hinckley & Rugby BS, HSBC UK, Kensington, Kent Reliance, Lendinvest,  LiveMore, Mansfield BS, Marsden BS, Newcastle BS, Pepper Money, Precise, Saffron BS, The Loughborough BS, The Mortgage Lender, Together, Vernon BS, Vida home loans and West One.
*Beverley BS – must be same as employed industry
 

Thursday 18 December

Which Lenders would allow a  Joint Borrower Sole Proprietor (JBSP) application, where the Proprietor of the property does not have any income?

Barclays, Bath BS, Castle Trust Bank, Chorley BS, Clydesdale Bank, Darlington BS, Dudley BS, Earl Shilton BS, Foundation Home Loans, Gen H, Metro Bank, Newbury BS, Principality, Skipton BS and Tipton & Coseley BS .

Spotlight on Skipton
The proprietor of the property doesn’t need to have any income with our Income Booster (aka JBSP). This may provide an alternative affordable option as it allows another party to join the mortgage and use income for affordability.

• The maximum LTV is 95% (subject to usual criteria)
• We’ll accept up to four applicants and up to all four incomes
• There are no restrictions around the relationship between the main borrower (proprietor) and supporting borrower (non-proprietor)
• The main borrower(s) must reside in the property
• All borrowers are liable for the debt

Independent Legal Advice is required for all non-proprietors. Subject to eligibility and lending criteria.

Friday 19 December

Which Lenders would allow a foreign national residing overseas to purchase a Buy to Let property in the UK?

Gatehouse Bank, Hampshire Trust Bank, Market Financial Solutions, Market Harborough BS*, Marsden BS, Quantum Mortgages, Raw Capital Partners and West One**.

*Minimum loan amount £200,000
** Allowed via SPV only
 

Saturday 20 December

The Paradigm Elves aren’t here at the weekend but their tip for the weekend is to take a look at our calendar of events for 2026!

We’ve released plenty of dates where you can get your CPD secured for 2026. Across a range of face to face events and webinars, we’ll be covering mortgages, protection, compliance and regulation and discussing industry hot topics, as well as valuable updates from both Paradigm and selected Strategic Partners. Each event has been carefully planned and organised to deliver maximum value in a concise and efficient manner, taking into account the feedback our attendees give us.

Take a look at our full schedule of events here, register for your place and share with your colleagues who may be interested too.
 

Sunday 21 December

 
The Paradigm Elves aren’t here at the weekend but their tip for the weekend is to take a look at our calendar of events for 2026!

We’ve released plenty of dates where you can get your CPD secured for 2026. Across a range of face to face events and webinars, we’ll be covering mortgages, protection, compliance and regulation and discussing industry hot topics, as well as valuable updates from both Paradigm and selected Strategic Partners. Each event has been carefully planned and organised to deliver maximum value in a concise and efficient manner, taking into account the feedback our attendees give us.

Take a look at our full schedule of events here, register for your place and share with your colleagues who may be interested too.

 
 

Monday 22 December

Which Lenders will do a Joint Borrower Sole Proprietor (JBSP)  on a BTL basis?

Barclays, Castle Trust Bank, Dudley BS, Family BS, Harpenden BS, Mansfield BS, Metro Bank, Newbury BS* and Suffolk BS.

*Re-mortgage only 

Tuesday 23 December

Our tip for today: Switch off for the festive period and enjoy!

We hope you have enjoyed our daily hints and tips to make the countdown to Christmas a bit more exciting, and we hope they have helped you place some cases, or will do in the future!

Wishing you and your families a great break, and all the best for 2026!