Borrowing
Borrowing
Financially successful people often have bespoke or complex financial requirements and value the service of a specialist banker. We work closely with you to help you achieve your goals by tailoring your borrowing to your overall financial position.
We offer a wide range of flexible solutions for UK residents, whether you are buying, renovating, remortgaging or building a home, helping family to climb the property ladder, investing in property, or managing inheritance tax liabilities.
We can tailor loan periods and can lend on an interest only or capital and interest basis, or a combination of these, with fixed and variable rates.
Get in touch to discuss your requirements.
Residential mortgages
Borrow to buy or renovate a residential property
Family (Guarantor) mortgages
Help family with a property purchase
Retirement mortgages
Helping you to enjoy greater financial flexibility in your later years
Self-build mortgages
Borrow to build or renovate your dream home
Portfolio lending
Borrow against the value of your investment portfolio, without the need to disinvest
Overdrafts
Flexibility to borrow money when you need it
We also lend to individuals, limited companies and partnerships investing in residential property.
Multi-property mortgages
Cover multiple properties with one loan.
Holiday and Buy-to-Let mortgages
For private residential letting and short term, holiday lets.
We also consider loans for the following purposes. Please get in touch to discuss your requirements.
Property loans
Purchase property secured on a separate property
SIPP lending
Borrow against a SIPP to purchase or refinance commercial property
Bank of England base rate
The Bank of England base rate is currently 4.25%. It last changed on 8 May and the next review is due on 19 June 2025.
The Bank of England base rate is the official interest rate set by the Bank of England’s Monetary Policy Committee. Banks and building societies use the base rate to calculate interest rates for some mortgages.
We’d love to hear from you
All borrowing is subject to status and is available to persons of 18 or over. Security may be required for borrowing in the form of a charge or standard security over land, or other forms of security over your investments or other assets.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.