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:

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

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.

Buy to Let Light Refurbishment – Case Study

The following example, although hypothetical, is typical of the type of situation which many landlords face.

Jane’s Situation:


Jane is a landlord with three Buy to Let properties. She’s found another flat to purchase to add to her growing portfolio, but it needs updating before she can put it on the rental market. She plans to put in a new kitchen and bathroom to bring it up to scratch.

The Saffron Solution:

Our Buy-to-Let Light Refurbishment Mortgage is ideal for this situation.

Jane is provided with an initial advance of 75% of the property’s value in its pre-refurbished condition – in this example, £112,500.

We simply require evidence that Jane can afford the monthly mortgage repayments during the refurbishment period. When the work is completed, the property is revalued and we’ll release additional funds of up to 75% of the new value.

Jane’s Mortgage Looks Like this:

  • Purchase price of property:  £150,000
  • Estimated end value:  £180,000
  • Total advance required 75% of end value:  £135,000
  • Initial advance 75% of current value:  £112,500
  • Retention until works completed:  £22,500
  • LTV:  75% of post refurbishment valuation

Our rental cover requirement is based on the rental assessment after the refurbishment work has been completed.

The Buy-to-let Light refurbishment mortgage is available for purchasing a property in need of refurbishment, or refurbishing an existing rental property.

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Best Service from a Mortgage Provider - Moneyfacts Awards 2014