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Swansea For Intermediaries

Financial Services · Swansea, Wales
Website: swansea-bs.co.uk

Our USPS are as follows: USPs: (All applicable to properties in England and Wales unless stated) 1. Self-employed - We specia ... lise in lending to the self-employed with over 55% of our book in this category. When looking at income, we assess what income can be taken not what is actually taken. We look at retained earnings and happy to add back in one off items. We don’t credit score and manually underwrite all cases. We adopt a personal, tailored and common sense approach to lending with no computer says no mentality. Also, we will lend up to age 75 for self employed and can look at extending this depending on the case. 2. Lending to Medical Professionals where we can offer enhanced income multiples. 3. We offer mortgages on small holdings (up to 100 acres) with or without agricultural restrictions / s.106 in place. 4. Semi – commercial – we can do mortgages on flats above shops even if the shop / flat is on one title. 5. Holiday let mortgages – we offer holiday let mortgages and will accept AirBnb income. 6. Short term bridging – we can do short term bridging at normal residential rates. 7. Capital raising – we are happy to capital raise for any legal purpose – pay a tax bill, debt consolidation, buy a second home, invest in a business etc. 8. Interest only – as long as there is a credible repayment strategy, we are happy to look at cases on interest only terms. 9. Lending in Retirement – we will go up to age 85 for those who are retired / semi-retired and can look at interest only as well. 10. Lending into retirement – we can go up to age 75. 11. Self-build / renovation products available in wales / Welsh Border areas (Post codes: BS, GL, HR, WR & SY) Why come to the Swansea? If you are looking for a lender lending in England and Wales with a personal, tailored, common-sense approach to lending, we are the lender to speak to. With no credit scoring and all cases manually underwritten, please feel free to read more

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