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.

Residential Criteria

Minimum age 21 (or product specific)
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 our Lending into Retirement document.
Maximum Loan to Value Product specific
Minimum mortgage term 5 years
Maximum mortgage term 40 years
Guarantors No
Contractors Yes
Expats No
Self Build Yes
Maximum number of applicants 4
Acceptable Income
Gross annual income 100% of basic + guaranteed allowances (e.g. area weighting allowance, car allowance, housing allowance)
Regular overtime, bonus or commission 100% of guaranteed / 50% of non-guaranteed
Self Employed Sole Trader: Net Profit

Partnership: Share of Net profit and/or Salary

Limited Company (where shareholding is >=20%): Dividends plus Drawings. Where ownership is 100% we may be prepared to use net profit rather than dividends. 3 years figures required (unless product allows for less).
Rental Income 50% of net surplus (unless personal income is derived from a business as a professional landlord – self-employed criteria then applies)
Maintenance 50% (by court order – child must be 13 years or under)
Personal / State Pensions 100%
Maternity Leave 100% of basic salary upon return to work and must be confirmed by employer.
Lifetime Benefits 50%
Other benefits (i.e. child tax credits, housing benefit, child benefit, job seekers, etc) No
Additional Income (such as second jobs and trust funds) Refer
Minimum loan amount £30,000
Maximum loan amount £1,000,000 or product specific (please refer above specified limit)
Repayment type (product specific) Repayment and interest only
Interest Calculation Daily
Capital raising Yes
Consolidation loans Yes
Right to Buy No
Shared ownership 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
Second Homes Yes to a maximum of 80% LTV
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
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 (if self-employed product – 1 or 2 years audited accounts plus projection from qualified accountant)
Income Verification: Limited Company Last 3 years accounts audited by qualified accountant (if self-employed product – 1 or 2 years audited accounts plus projection from qualified accountant)
Last 3 months personal bank statements Statements must confirm income and expenditure (if self-employed product – 6 months required)
Last 3 months business bank statements Yes (if self-employed product – 6 months required)
Documentation required – All
Proof of deposit Yes
Name & Address Identification Yes

Supporting documents

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

Sign up for product updates

Ensure you’re one of the first to receive news about our latest product offers.


Best Service from a Mortgage Provider - Moneyfacts Awards 2014