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

email: holly.andrews@saffronbs.co.uk

Lewis Wheeler: 01799 582894

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

email: lewis.wheeler@saffronbs.co.uk

For cases in progress call:

Mortgage Team: 01799 582966

email: mortgage.processing@saffronbs.co.uk

For technical support call:

Aaron Keeble: 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:

REGISTER

Login to the Intermediary Mortgage Portal:

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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.

Calculators

Affordability Calculator

Mortgage Details

Income

Please ensure you’ve read the guidelines on how much pension income to include

Applicant One

Applicant Two

Outgoings

Applicant One

Applicant Two

Results

The amount is only an indication of how much we may be able to lend; it is not an agreement to lend. Consideration of a mortgage application would be subject to our mortgage lending policy and a credit check where the outstanding credit commitments will be considered.

TESTING ONLY

Operational Matrices

Applicants
Dependents
Household Type
Income Band
Base factor
 

Operational Mechanics

Factor Modifiers
Ultimate Factor in use
Gross Debt Servicing Funds
Net Debt Servicing Funds
Calculation Rate
 
Cards
Loans
Other
 
Interest-only modifier in use
Income Splitter
 
Applicant 1 total income (SHOWN)
Applicant 1 total income (USED)
Applicant 2 total income (SHOWN)
Applicant 2 total income (USED)

Errors

Errors
Error App
Error Kids
Errors Loan
Error Term

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BTL RENTAL Calculator

Buy-to-let mortgages require that the rental value of the property will cover the mortgage repayments. Use this calculator to work out the minimum rental income required for a buy-to-let mortgage loan. All Buy-To-Let will be individually assessed by underwriters.





The illustration above does NOT include arrangement fees.

If arrangement fees are to be added to the loan the rental income MUST cover the loan amount plus arrangement fees.

The Maximum LTV is 80% of the property value (except for Ex Pat Buy-to-let where the maximum LTV is 75%).

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

These figures are only illustrative and are not guaranteed.

All applications are subject to the current underwriting criteria.

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Best Service from a Mortgage Provider - Moneyfacts Awards 2014