We currently have a 5 working day SLA, and the Processing phone line will not be available until further notice.
This is due to high work volumes, and will enable us to get an update to you as quickly as we can.

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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:

For new business enquires:

Gemma Reynolds: 01799 582925

Legal & General,PMS,Sesame,TMA Mortgage Club


Sophie Gould: 01799 582923

Quilter,TBMC,Simply Biz,Platinum Options,Vantage,Mortgage Intelligence,Next Intelligence,Tenet,Positive Lending,Positive Lending Mortgage Club


Holly Andrews: 01799 582885

Complete FS,Brightstar,Brightstar Mortgage Club,3MC,3MC Mortgage Club,Impact Specialist Finance


For cases in progress call:

Mortgage Team: 01799 582966


For technical support call:

01799 582966 option 2
Head Office

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

IMPORTANT INFORMATION: Scheduled Service Interruption

Due to essential maintenance you will be unable to register as a new user, log in or access cases from
07:00AM until 08:30AM on Thursday 27 February 2020.

We apologise for any inconvenience this may cause and thank you for your patience.

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.

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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