This website is for use by intermediaries only

Contact Us

If you want to talk to us, please use one of the numbers below:

For new business enquires:

Holly Andrews: 01799 582885

AToM, Intrinsic, Knight Frank Finance, Private Finance, TBMC, TenetLime, Vantage

email: holly.andrews@saffronbs.co.uk

Debby Tedder: 01799 582925

L&G, L&G Mortgage Club and all affiliated firms, PMS Club, Sesame

email: deborah.tedder@saffronbs.co.uk

Lewis Wheeler: 01799 582894

Brightstar,Complete, 3mc, Mortgage Intelligence, Next Intelligence, Platinum Options

email: lewis.wheeler@saffronbs.co.uk

For cases in progress call:

Mortgage Team: 01799 582966

email: mortgage.processing@saffronbs.co.uk

For technical support call:

Emma Hall: 01799 582966 option 2
Media Enquiries

If you are a journalist and require further information, please contact:
Josh Cooper, Cooper Consultants Ltd
07768 355265
josh@cooper-consultants.co.uk

Head Office

Saffron House, 1A Market Street,
Saffron Walden,
Essex CB10 1HX.
Telephone: 01799 522211


Christmas Opening Hours

Wednesday 209:00AM - 5:00PM
Thursday 219:00AM - 5:00PM
Friday 229:00AM - 5:00PM
Monday 25CLOSED
Tuesday 26CLOSED
Wednesday 279:00AM - 5:00PM
Thursday 289:00AM - 5:00PM
Friday 299:00AM - 5:00PM
Monday 1CLOSED
Tuesday 29:00AM - 5:00PM

Intermediary Mortgage Portal

The Mortgage Portal enables you to select a Saffron mortgage product, request a DIP, submit a full mortgage application and monitor all your clients' cases. Designed to be easy to use and all of the instructions you need are on each screen but if you need it there's also a Quick Start Guide.

Register for the Intermediary Mortgage Portal:

REGISTER

Login to the Intermediary Mortgage Portal:

LOGIN

Frequently Asked Questions

For any queries take a look at our FAQs or if you still require further help you can contact us on 01799 582966 and select option 2.

Buy to Let Mortgages

We have two ranges of buy-to-let mortgages:

Special Situations – for landlords who want to buy and refurbish a property before letting it out, and for British nationals currently living outside the UK who want to purchase or remortgage a rental property.

Everyday – for landlords who want to purchase or remortgage a property.

Whatever your clients’ needs and whatever buy-to-let mortgage they choose, they will also be guaranteed:

  • a decision made by a skilled and knowledgeable underwriter, rather than an automated credit scoring system
  • a fast and reliable service for which we were delighted to win the Moneyfacts ‘Best Service from a Mortgage Provider’ award in 2014
  • Rental Cover on debt for debt re-mortgage cases 125% of pay rate. Fees may be added to the loan.

If your client is creditworthy but has been struggling to find a mortgage to suit their specific needs, we may be able to help.

And if one of our existing mortgages doesn’t quite fit because your client requires features from several of our products, then we may be able to tailor a mortgage to suit their precise needs.

Special Situations mortgages
Catering for borrowers with distinct needs be they landlords wanting to renovate or expats wanting to buy property back in the UK

Buy-to-let Light Refurbishment

For existing landlords that wish to purchase or re-mortgage a property that requires a level of light refurbishment before renting the property. There is no limit on the level of borrowing with other lenders View Case Study

Variable rate

The interest rate charged will not fall below 3.00% (the minimum interest rate) at any point during the mortgage.
Initial Rate Product Term Revert Rate Arrangement Fee LTV
4.99% (SVR -0.40%) 3 Years SVR 2.00% 75% maximum of the end value
Purpose Portable ERC APR Procuration Fee SBS Code
Purchase & Remortgage Yes 3.00% for the first year 5.7% 0.35% DR0297

Product Criteria

  • If the amount of lending required is the maximum percentage of end value, state this clearly on application form
  • Rental cover 140% of either pay rate + 2% or 5.5%, whichever is higher
  • Rental Cover on debt for debt re-mortgage cases 125% of pay rate. Fees may be added to the loan
  • Evidence of savings to support 3 months mortgage payments whilst refurbishment works undertaken
  • Work must be completed within 3 months of completion and prior to letting out
  • Additional funds released after a satisfactory re-inspection and confirmation of improved end value and rental income
  • Product only available to homeowners
  • Property must be let on an AST
  • Rental assessment is based on occupation by 1 family on an unfurnished let
  • No HMOs or Limited Companies
  • No adverse accepted
  • LTV not to exceed figure stated at any stage
  • For porfolio landlords the maximum LTV INCLUDING fees is 75%
  • Interest only or repayment
  • Maximum loan size £1,000,000. Loans over this are priced on a bespoke basis and have restricted LTV’s
Submit a DIP

Not registered? Register Now

Expat Buy-to-let

For UK nationals resident abroad who wish to purchase or re-mortgage a property. There is no limit on the level of borrowing with other lenders.

Fixed rate

The interest rate charged will not fall below 2.00% (the minimum interest rate) at any point during the mortgage.

Initial Rate Product Term Revert Rate Arrangement Fee LTV
4.37% Fixed Fixed to28.02.2023 SVR 2.50% 65%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase & Remortgage Yes 3.00% to 28.02.2023* 5.4% 0.35% DR0566

* Overpayments of up to 10% per annum are allowed without penalty.
* Minimum term: to equal or exceed that of the fixed rate period.

Variable rate

The interest rate charged will not fall below 3.00% (the minimum interest rate) at any point during the mortgage.

Initial Rate Product Term Revert Rate Arrangement Fee LTV
5.39% (SVR) For the life of the loan N/A 2.50% 65%
Purpose Portable ERC APR Procuration Fee SBS Code
Purchase & Remortgage Yes None 5.9% 0.35% DR0227

The interest rate charged will not fall below 2.00% (the minimum interest rate) at any point during the mortgage.

Initial Rate Product Term Revert Rate Arrangement Fee LTV
3.69% (SVR -1.70%) 3 years SVR 2.50% 75%
Purpose Portable ERC APR Procuration Fee SBS Code
Purchase & Remortgage Yes 3% for 3 years* 5.4% 0.35% DR0507

* Overpayments of up to 10% per annum are allowed without penalty

Product Criteria

  • 5 Year Fixed Rates: Rental Cover 140% of pay rate
  • Variable Rates: Rental cover 140% of either pay rate + 2% or 5.5%, whichever is higher
  • Rental Cover on debt for debt re-mortgage cases 125% of pay rate. Fees may be added to the loan
  • Property must be let on an AST
  • Rental assessment is based on occupation by 1 family on an unfurnished let
  • No HMOs or Limited Companies
  • The applicant must have no adverse credit history in the past 3 years
  • Must hold a UK bank account and mortgage direct debits must be paid from this account
  • For porfolio landlords the maximum LTV INCLUDING fees is 75%
  • Interest only or repayment
  • We will condition the offer for nomination of a UK solicitor with a minimum of 2 partners who will act for the applicant, on whom the Society can serve notice in the event of default
  • Maximum loan size £1,000,000. Loans over this are priced on a bespoke basis and have restricted LTV’s
Submit a DIP

Not registered? Register Now

Everyday Mortgages
Straightforward mortgages with competitive rates

Buy-to-let

For existing landlords to purchase or re-mortgage a property. There is no limit on the level of borrowing with other lenders.

View Case Study

Variable rate

The interest rate charged will not fall below 2.00% (the minimum interest rate) at any point during the mortgage.

Initial Rate Product Term Revert Rate Arrangement Fee LTV
2.49% (SVR -2.90%) 2 year SVR 2.00% 75%
Purpose Portable ERC APR Procuration Fee SBS Code
Purchase & Remortgage Yes 2% for 2 years* 5.3% 0.35% DR0501

* Overpayments of up to 10% per annum are allowed without penalty

Product Criteria

  • Rental cover 140% of either pay rate + 2% or 5.5%, whichever is higher
  • Rental Cover on debt for debt re-mortgage cases 125% of pay rate. Fees may be added to the loan
  • Product only available to homeowners
  • Property must be let on an AST
  • Rental assessment is based on occupation by 1 family on an unfurnished let
  • No HMOs or Limited Companies
  • No adverse accepted
  • Interest only or repayment
  • For porfolio landlords the maximum LTV INCLUDING fees is 75%
  • Maximum loan size £1,000,000. Loans over this are priced on a bespoke basis and have restricted LTV’s
Submit a DIP

Not registered? Register Now

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Best Service from a Mortgage Provider - Moneyfacts Awards 2014