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

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

email: gemma.reynolds@saffronbs.co.uk

Katie Sharpe: 01799 582923

Impact Specialist Finance, Intrinsic, PMS Club, Sesame, Tenet

email: katie.sharpe@saffronbs.co.uk

Holly Andrews: 01799 582885

3mc; 3mc Club, Brightstar; Brightstar Club, Complete FS, Mortgage Intelligence, Next Intelligence, Platinum Options, Positive Lending (UK) Ltd; Positive Lending Club, TBMC, TMA Mortgage Club, Vantage Finance

email: holly.andrews@saffronbs.co.uk

For cases in progress call:

Mortgage Team: 01799 582966

email: mortgage.processing@saffronbs.co.uk

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:

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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.

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
5.24% (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 5.9% 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
  • Regulated buy to let accepted – 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.)
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
3.97% Fixed Fixed to31.08.2024 SVR 2.50% 55%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase & Remortgage Yes 3.00% for 5 years* 5.3% 0.35% DR0662
Initial Rate Product Term Revert Rate Arrangement Fee LTV
4.47% Fixed Fixed to31.08.2024 SVR 2.50% 75%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase & Remortgage Yes 3.00% for 5 years* 5.5% 0.35% DR0663

* 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
3.64% (SVR -2.00%) 3 years SVR 2.50% 55%
Purpose Portable ERC APR Procuration Fee SBS Code
Purchase & Remortgage Yes 3% for 3 years* 5.5% 0.35% DR0642
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
3.94% (SVR -1.70%) 3 years SVR 2.50% 75%
Purpose Portable ERC APR Procuration Fee SBS Code
Purchase & Remortgage Yes 3% for 3 years* 5.6% 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
  • Regulated buy to let accepted from non-EEA countries – At some point, 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.)
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

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
3.27% Fixed Fixed to31.10.2024 SVR 2.00% 75%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase & Remortgage Yes 3.00% for 5 years* 5.0% 0.35% DR0674

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

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
2.74% (SVR -2.90%) 2 year SVR 2.00% 75%
Purpose Portable ERC APR Procuration Fee SBS Code
Purchase & Remortgage Yes 2% for 2 years* 5.5% 0.35% DR0501

* 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
  • Product only available to residential 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
  • Regulated buy to let accepted – 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.)
Submit a DIP

Not registered? Register Now

Limited Company Buy-to-Let

For landlords operating via a limited company to purchase or re-mortgage a property. There is no limit on the level of borrowing with other lenders. Please read our Guidance Notes for this mortgage.

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
3.17% Fixed Fixed to31.10.2021 SVR 2.00% 75%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase & Remortgage Yes 2.00% for 2 years 5.5% 0.35% DR0691

Product Criteria

  • Rental cover 140% of 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
  • No adverse accepted
  • Property must be let on an AST
  • Rental assessment is based on occupation by 1 family on an unfurnished let
  • 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
  • Regulated or Consumer buy to let not accepted
  • HMO not accepted
  • Minimum energy performance rating of E on an Energy Performance Certificate (EPC)
  • Limited Companies registered in the UK only
  • No time limit as to how long registered i.e. new SPV’s allowed
  • Company must be set up with the principal activity of buying and holding residential investment property and used for that purpose only – no other trading purposes permitted
  • Certificate of Incorporation to be provided
  • Latest set of accounts to be provided (where the company has been set up for more than 18 months)
  • All Shareholders in the Company must be named as Directors
  • Personal Guarantees for total borrowing (plus accrued interest & costs) taken from all Directors
  • Any proposed changes to Directors during life of mortgage must be subject to our approval
  • Maximum of 4 Directors – individual credit checks will be undertaken
  • Details of all properties each Director has an ownership in (either in own name or a business name) must be provided
Submit a DIP

Not registered? Register Now

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Best Service from a Mortgage Provider - Moneyfacts Awards 2014