United Trust Bank

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.

Our criteria caters for those whose circumstances relate to property type and construction, self-employed or complex income and those who have historically experienced imperfect credit.

  • 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
  • Professionals, complex income, self–employed 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

Proc Fees

Product Gross Net
Second Charge 1.25% 1.00%
Residential 0.45% 0.40%
Buy-to-let 0.50% 0.45%
Second Charge Product Transfer 1.00% 0.95%
Residential Product Transfer 0.40% 0.38%


If you are interested in bridging finance, please contact UTB’s Bridging division which is separate from Mortgages on 020 3862 1002 or email.

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