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Intermediary Resources

Welcome to the Penrith.

We recognise the value that independent advice offers a borrower and we seek to work in partnership with you, providing  solutions when our bespoke underwriting approach can make all the difference. 

In this section of our website you can find our latest products and rates, our lending criteria guide and who to contact to discuss a case.

We have launched our new Loans Origination broker portal which has been designed with our broker partners in mind and we hope you like it! Please use the links below to register or to log in. If you were registered for our previous portal, you will need to click “sign up” to use the new portal and follow the prompts – but following that your existing registration will be transferred across to the new portal automatically.

Not registered? Click here to get started

Already registered? Login here

We have created some simple guides on how to navigate our system and process your application. You can find these on our website here

If you have any questions about accessing our portal, please give us a call on 01768 863675 Option 1 or email us at mortgages@penrithbs.co.uk and we will be happy to help.

Why work with us?

At the Penrith, we understand that life is not always as straightforward as it seems. That’s why we offer a bespoke underwriting approach and ensure that we understand each customer and application on a case by case basis.

Our history and expertise

We are a Building Society with a proud history of providing lending solutions for more than 147 years. We cater for a broad range of needs across residential and buy to let mortgages and lend throughout England, Scotland and Wales.  We offer competitive rates in the segments we operate in and our absence of credit scoring and fully manual underwriting process allows us to provide solutions for customers with complex needs.

Whilst offering a broad range of residential and buy to let solutions, we have three particular areas of expertise: lending in our Heartland, to Expats and supporting Self-Build.

Heartland Lending Solutions

We define our Heartland as being properties in Cumbria, Northumberland, Tyne & Wear, County Durham, Yorkshire, Lancashire, Dumfries & Galloway and Scottish Borders

  • Heartland Value: bespoke pricing and products available for customers purchasing properties in our Heartland
  • Specialist property occupancy considered: including s106, Multi-Unit and Holiday Lets
  • Complex Income consideration: We understand variable and seasonal incomes offer Joint Borrower/Sole Proprietor solutions

Expat Lending

  • We lend on properties in England, Wales and Scotland
  • A wide range of foreign currency incomes are considered
  • We currently lend expat on a Residential basis only

Self-Build Lending

  • Lending and support direct from the Society throughout the process – we have a depth of expertise and understand the complexities of self-build
  • Flexible on number of fund release stages – standard is 5 but we will flex on customer need
  • Includes renovation projects

How can we help?

To discuss a new enquiry or application please contact our Mortgage Managers on 01768 863675 or at intermediaries@penrithbs.co.uk

You can also contact our Mortgage Team on: 01768 863675 – option 1

We are used to dealing with complex cases and are always happy to talk through a case with you prior to the application being submitted. Once an application has been submitted and the supporting documentation has been provided to enable us to begin assessing the application, one of our Mortgage Managers will be in touch to offer the opportunity to discuss the case with us; to make sure we understand the particular characteristics of the customer, the timescales you need to work to and to help you understand what further information we may need to assess the application and why.

If you would like to register to be kept up to date with our product news, or if you want to submit an application, please use the link below to go straight to our Mortgage Hub.

Not registered? Click here to get started

Already registered? Login here

  • Tim Penrith Building Society

    Tim Vigeon
    Senior Mortgage Manager

  • Hannah Penrith Building Society

    Hannah Sargent
    Mortgage Manager

  • Claire Penrith Building Society

    Claire Renwick
    Mortgage Manager

  • Rachel Penrith Building Society

    Rachel Glendinning
    Mortgage Manager

  • Jen Banks Penrith Building Society

    Jennifer Banks
    Senior Mortgage Assistant

  • Ollie Penrith Building Society

    Ollie Reed
    Mortgage Assistant

Not a mortgage broker ?

Don’t worry, we can help direct you back to our usual mortgage pages by
asking you to click here.

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Your eligible deposits held by a UK establishment of Penrith Building Society are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.

Further information is available here »»
(PDF Version)

Or visit www.fscs.org.uk.

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