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:

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:

REGISTER

Login to the Intermediary Mortgage Portal:

LOGIN

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


Income – applicant one

The total household income must be a minimum of £30,000.

Income – applicant two

Please amend the number of applicants or remove the salary for applicant two.

Outgoings – applicant one

Outgoings – Applicant Two

Loan Details

The minimum total loan amount allowed is £30,000. The maximum total loan amount allowed is £1,000,000.

The minimum term is 5 years. The maximum term is 40 years.

This case falls outside of our affordability model please call your BDM to discuss as we may be able to assist.

Our standard limit for loan to income is 4.49 times however cases above this will be considered by exception.

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Retirement affordability calculator

Retirement income must be evidenced and affordability proven.
Click here for further guidelines on criteria.



Income – applicant one

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

The total household income must be a minimum of £30,000.

Income – applicant two

Please amend the number of applicants or remove the salary for applicant two.

Outgoings – applicant one

Outgoings – applicant two

Loan details

The minimum total loan amount allowed is £30,000. The maximum total loan amount allowed is £1,000,000.

The minimum term is 5 Years. the maximum term is 40 years.

This case falls outside of our affordability model please call your BDM to discuss as we may be able to assist.

Our standard limit for loan to income is 4.49 times however cases above this will be considered by exception.

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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