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.

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

• We lend on properties in England, Wales and Scotland
• A wide range of foreign currency incomes are considered
• We undertake Residential and Buy to Let lending including first-time buy to let, with top slicing considered where needed

• 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