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

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


Lewis Wheeler: 01799 582894

AToM, Brightstar Financial; Brightstar Club, John Charcol, Knight Frank Finance,, Platinum Options, Positive Lending, Private Finance, Sammon Mortgage Management Ltd, TBMC, Vantage Finance, 3mc; 3mc Club, Tenet, Complete FS, Intrinsic, Mortgage Intelligence, Next Intelligence


For cases in progress call:

Mortgage Team: 01799 582966


For technical support call:

Emma Hall: 01799 582966 option 2
Head Office

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

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:


Login to the Intermediary Mortgage Portal:


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 Criteria

Minimum age 21
Maximum age at end of term No maximum age. For any loan that extends into an applicant’s retirement, or beyond the age of 75, (whichever occurs first) retirement income must be evidenced and affordability proven. Click here for further guidelines on criteria.
Maximum Loan to Value Product specific
Minimum mortgage term 5 years
Maximum mortgage term 40 years
Contractors Yes
Expats Yes
Maximum number of applicants 4
Status For new or existing landlords to purchase or remortgage. Buy-to-Let products are not available to First Time Buyers, except for our Ex-Pat products.
Regulated buy to let Yes – either now or in the future, you or an immediate family member will occupy the premises or be a tenant. (The definition of an immediate family member includes: parents, grandparents, child, grandchild, brother or sister.)
Acceptable Income
Minimum Income There is no minimum income requirement, although we will assess ability to fund mortgage during rental voids or other problems associated with property investment. For all applicants, at least one of the applicants needs to be in receipt of earned income and/or pension income.
Minimum loan amount £30,000
Maximum loan amount £1,000,000 (over £1,000,000 please refer)
Repayment type Repayment & Interest only
Interest Calculation Daily
Rental Cover Minimum

Re-mortgage with no additional borrowing: 125% of pay rate

5 (or more) years fixed rate: 140% of pay rate

All other contracts: 140% of either pay rate + 2% or 5.5%, whichever is higher

Maximum Portfolio with SBS 10 properties but subject to a maximum aggregate borrowing limit of £1.5M
Property must be let on an AST 6 to 24 months
Capital raising Yes
Consolidation loans Yes
Company AST’s Yes
DSS tenants Permitted No
Student Lets No
Properties in multiple occupation No
Lending to Limited Companies No
Minimum Property Value £100,000
Remaining lease at end of mortgage term 50 years
High Rise Flats (above 6 storeys) Refer
New Build Flats Only in East Anglia, South East and London
Max 75% LTV on C&I repayment
Max 60% LTV on Interest Only
Ex local Authority Flats Max LTV 70%; No external walkway access; Subject to valuation
Flat above Commercial Refer
Freehold Flats No
Vendor Deposits No
Builder Deposits No
Minimum time previously owned by vendor 6 Months
Minimum time owned before remortgage 6 Months
Lend in Scotland No
Lend in Northern Ireland No
Energy Performance Certificate (EPC) All new BTL and consent to let customers will need to have an EPC rating of E or higher from 1 April 2018
Documentation required – Employed (minimum requirement)
Last 3 months payslips Yes (may be product specific)
Latest P60 Yes (may be product specific)
Last 3 months bank statements (all accounts, all applicants) Statements must confirm income and expenditure (may be product specific)
Documentation required – Self Employed (minimum requirement)
Income Verification: Sole Trader/Partnership Last 3 years accounts audited by qualified accountant, or

Last 3 years SA302’s, or

The online submitted tax returns and a Tax Year Overview for each corresponding year
Income Verification: Limited Company Last 3 years accounts audited by qualified accountant
Last 3 months personal bank statements Statements must confirm income and expenditure
Last 3 months business bank statements Yes
Documentation required – All
Proof of deposit Yes
Name & Address Identification Yes

Supporting documents

* Lending Criteria subject to change. All mortgages are subject to status

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Best Service from a Mortgage Provider - Moneyfacts Awards 2014