The Saffron for Intermediaries team are currently experiencing a high number of telephone and email enquiries.

The BDM team are responding to email and calls on the same working day. Can we please ask that you do not duplicate voicemails to the BDM team, this will enable us to come back to you sooner. Many thanks for your patience at his time.

Decision in Prinicple referrals will be looked at within 6 working days.

New and Existing Applications - Our processing and underwriting team are working at 12 working day SLAs due to the high volume of applications we are experiencing.

You are required to provide a full packaged case upon submission of the full mortgage application. Please bear with us and you will recieve and update when your application is being reviewed. Please do not call or email our processing team for an update unless you are outside of this 12 working day timeframe.

This website is for use by intermediaries only

Contact Us

Lines are open Monday to Friday 9AM - 5PM, except Wednesday 9:30AM - 5PM

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

Important Information

To say thank you to our colleagues across the society for their efforts during the Covid-19 pandemic, our branches, head offices and contact centre will be closed on 1 September. Thank you for your understanding.

For new business enquiries:

01799 582 925


For cases in progress call:

Mortgage Team: 01799 582966


For technical support call:

01799 582966 option 2

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.

Login to the Intermediary Mortgage Portal:


Register for the Intermediary Mortgage Portal:


Frequently Asked Questions

For any queries take a look at our FAQs or our Quick Start Guide.

If you still require further help you can contact us on 01799 582966 and select option 2.


Adverse in need of repair

Numerous features of the pre-credit crunch market were wrong. The bloated sub-prime sector clearly was a factor.

Poor underwriting, adverse credit, self cert, low teaser rates with no thought given to future affordability, large procuration fees; the prosecution charge sheet would be long. Good riddance to bad rubbish sums up the reaction of many pundits. Surely there can’t be a counter argument? I believe there is.

Simplistically, there are three groups of people with adverse credit. Firstly, those unable ever to manage credit responsibly (arguably the perennially adverse). Secondly, those with incomes so low they just cannot afford debt.

Thirdly, the many whose adverse credit is due to life changing events; business failure, redundancy, relationship breakdown or ill health. Why did the old, sub-prime market not discriminate between these customer types? Largely because the market was dependant on gullible investors who really didn’t know what was going on.

It’s surely plain to see that the third group deserves a break. Indeed, not satisfying their needs is economically and socially illiterate. So, how can the industry and eligible borrowers make a fresh start? The answer lies in product development. The old sub-prime model was based on the perceived needs of funders; high underlying variable rates tiered upwards depending on how bad the credit was and made palatable by short-term teaser rates.

Borrowers (especially the first group) would start on a product made affordable by teaser rates, only to slip into arrears when that rate expired. No worries, they could then be remortgaged onto another yet more adverse rate made affordable by yet another teaser rate. What a merry go round – or downward spiral?

Perhaps the answer is to target only group three and do it through intelligent products. Let’s be candid with these borrowers that they represent a risk requiring higher rates, but that in exchange for exemplary conduct their rate will cascade down to SVR in a structured way over time? Surely that is the essence of credit repair? Fortunately it won’t appeal to the perennially adverse, only those who deserve a fresh start.

It goes without saying, of course, that it’s the role of lenders to understand the personal circumstances of the individual and ensure that the adverse credit was a one-off and that they can comfortably afford their current financial commitments.

Food for thought?

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Best Service from a Mortgage Provider - Moneyfacts Awards 2014