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:

Holly Andrews: 01799 582885

3mc; 3mc Club, Brightstar; Brightstar Club, Complete FS, Knight Frank Finance, Mortgage Intelligence, Next Intelligence, Platinum Options, Positive Lending (UK) Ltd; Positive Lending Club, Private Finance, Private Label, Sammon Mortgage Management Ltd, TBMC, Vantage Finance

email: holly.andrews@saffronbs.co.uk

Gemma Reynolds: 01799 582925

John Charcol, L&G, L&G Mortgage Club and all affiliated firms, LargeMortgageLoans.com

email: gemma.reynolds@saffronbs.co.uk

Katie Sharpe: 01799 582923

AToM, Intrinsic, PMS Club, Sesame, Tenet

email: katie.sharpe@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.

Residential Mortgages

We have two ranges of residential mortgages:

Special Situations

For borrowers with specific requirements such as the self-employed with just one years’ accounts, or contractors and professionals wanting higher LTV loans, or borrowers wanting to build or renovate a home of their own.

Everyday

For borrowers facing everyday situations such as buying a first home, moving to another home or remortgaging.

Whatever your clients’ needs and whatever 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

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

Self Employed

For those working on a self-employed basis, this mortgage is available for applicants with only 1 year’s accounts. It is also available to First Time Buyers who are self-employed.

View Case Study

Fixed rate

Initial Rate Product Term Revert Rate Arrangement Fee LTV
3.27% Fixed Fixed to28.02.2021 4.64% (SVR-1.00%) £999 80%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase & Remortgage Yes 2.00% for two years* 4.5% 0.35% DR0638

The interest rate charged will not fall below 2.00% (the minimum interest rate) at any point during the mortgage.

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

Initial Rate Product Term Revert Rate Arrangement Fee LTV
3.77% Fixed Fixed to28.02.2021 4.64% (SVR-1.00%) £999 90%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase & Remortgage Yes 2.00% for two years* 4.6% 0.35% DR0639

The interest rate charged will not fall below 2.00% (the minimum interest rate) at any point during the mortgage.

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

Variable rate

Initial Rate Product Term Revert Rate Arrangement Fee LTV
2.74% (SVR-2.90%) 3 Years 4.64% (SVR-1.00%) £499 60%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase & Remortgage Yes None 4.3% 0.35% DR0610

The interest rate charged will not fall below 2.00% at any point during the mortgage.

Initial Rate Product Term Revert Rate Arrangement Fee LTV
3.04% (SVR-2.60%) 3 Years 4.64% (SVR-1.00%) £499 80%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase & Remortgage Yes None 4.4% 0.35% DR0611

The interest rate charged will not fall below 2.00% at any point during the mortgage.

Initial Rate Product Term Revert Rate Arrangement Fee LTV
3.64% (SVR-2.00%) 3 Years 4.64% (SVR-1.00%) £499 90%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase & Remortgage Yes None 4.5% 0.35% DR0612

The interest rate charged will not fall below 2.00% at any point during the mortgage.

Product Criteria

  • Minimum 12 months’ accounts plus a projection of future earnings
  • 6 months’ personal and business bank statements
  • Minimum age 21
  • Minimum term 5 years
  • Interest only or repayment
  • Interest only to 70% max LTV and subject to an acceptable repayment strategy
  • Minimum property value £100,000
  • Minimum loan size: £30,000. Maximum loan size: £1,000,000 up to 80% LTV or £500,000 above 80% LTV. Loans over this are priced on a bespoke basis and have restricted LTV’s

Capital Repayment incentive (not applicable on fixed rates)

  • Borrowers can repay capital at any time and reduce the mortgage interest rate if they move into a lower LTV band, with no additional fee
  • LTV is always based on the original property value when the mortgage was taken out
  • Borrowers will never be required to move up to a higher rate
  • Further information for borrowers
Submit a DIP

Not registered? Register Now

Contractor

Available for individuals who are working on a short-term contract basis, Saffron takes into account the contractor’s circumstances and income structure. It is also available to First Time Buyers in contractor roles.

View Case Study

Fixed rate

Initial Rate Product Term Revert Rate Arrangement Fee LTV
3.17% Fixed Fixed to28.02.2021 4.64% (SVR-1.00%) £999 80%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase & Remortgage Yes 2.00% for two years* 4.5% 0.35% DR0640

The interest rate charged will not fall below 2.00% (the minimum interest rate) at any point during the mortgage.

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

Initial Rate Product Term Revert Rate Arrangement Fee LTV
3.67% Fixed Fixed to28.02.2021 4.64% (SVR-1.00%) £999 90%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase & Remortgage Yes 2.00% for two years* 4.6% 0.35% DR0641

The interest rate charged will not fall below 2.00% (the minimum interest rate) at any point during the mortgage.

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

Variable rate

Initial Rate Product Term Revert Rate Arrangement Fee LTV
2.64% (SVR-3.00%) 3 Years 4.64% (SVR-1.00%) £499 60%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase & Remortgage Yes None 4.2% 0.35% DR0615

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
2.94% (SVR-2.70%) 3 Years 4.64% (SVR-1.00%) £499 80%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase & Remortgage Yes None 4.3% 0.35% DR0616

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
3.54% (SVR-2.10%) 3 Years 4.64% (SVR-1.00%) £499 90%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase & Remortgage Yes None 4.5% 0.35% DR0617

The interest rate charged will not fall below 2.00% (the minimum interest rate) at any point during the mortgage.

Product Criteria

  • Evidence of existing or new contract required
  • Applicants must have 2 years’ experience within the same type of employment
  • Income calculated as Daily Rate x 5 x 48
  • Minimum age 21
  • Minimum term 5 years
  • Interest only or repayment
  • Interest only to 70% max LTV and subject to an acceptable repayment strategy
  • Minimum loan size: £30,000. Maximum loan size: £1,000,000 up to 80% LTV or £500,000 above 80% LTV. Loans over this are priced on a bespoke basis and have restricted LTV’s

Income documents required:

  • Current and previous contract
  • Last 6 months bank statements showing invoice credits
  • CV outlining previous employment history (2 years in the same industry required)

Capital Repayment incentive (not applicable on fixed rates)

  • Borrowers can repay capital at any time and reduce the mortgage interest rate if they move into a lower LTV band, with no additional fee
  • LTV is always based on the original property value when the mortgage was taken out
  • Borrowers will never be required to move up to a higher rate
  • Further information for borrowers
Submit a DIP

Not registered? Register Now

Self Build - AUTUMN SALE

Available to self-builders to build a new house or refurbish an existing structure for their own occupation.

Available for custom-build. For custom-build applications, please select the self-build product and mark as custom-build in the notes section.

Available to First Time Buyers.

Funds can be drawn down in flexible stage payments.

AUTUMN SALE New lower rate
For a limited time only!

Interest Only

At the end of the term the borrower must repay their mortgage by re-mortgaging to another Saffron product or re-mortgaging away, if eligible. View Case Study Guide to Self Build Mortgages
Initial Rate Product Term Revert Rate Arrangement Fee LTV
4.20% (SVR -1.44%) 24 months maximum You must re-finance at the end of the product term 1.00% 65% of purchase price 100% of the build costs and max Gross Development Value 75%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase & Remortgage No None 5.0% 0.50% DR0652

Product Criteria

  • Available for custom-build
  • Loan must be fully serviced by applicants’ income
  • Planning permission & building regulations required, if applicable
  • Full breakdown of works together with costings and architectural drawings required
  • Funds can be drawn down in flexible stage payments to suit the clients’ needs
  • A new home warranty/certificate is required from one of the following:
    • NHBC
    • Premier Guarantee
    • BLP
  • Minimum age 21
  • Minimum term 6 months
  • Maximum term 24 months
  • Owner Occupied only
  • Minimum loan size: £30,000. Maximum loan size: £1,000,000. Loans over this are priced on a bespoke basis and have restricted LTV’s
The interest rate charged will not fall below 2.00% (the minimum interest rate) at any point during the mortgage. Submit a DIP

Not registered? Register Now

Everyday Mortgages Straightforward mortgages with competitive rates

First Time Buyer

This mortgage is available to first time buyers looking to purchase their first home who have a limited deposit.

Fixed rate

Initial Rate Product Term Revert Rate Arrangement Fee LTV
3.27% Fixed Fixed to31.03.2022 4.64% (SVR-1.00%) None 95%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase Yes 3% for 3 years* 4.4% 0.35% DR0646

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
3.47% Fixed Fixed to30.04.2024 4.64% (SVR-1.00%) None 95%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase Yes 3% for 5 years* 4.3% 0.35% DR0647

The interest rate charged will not fall below 2.00% (the minimum interest rate) at any point during the mortgage.

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

Product Criteria

  • Minimum age 21
  • Repayment only
  • Max LTV 95% inclusive of fees
  • Minimum loan size: £30,000
  • Maximum loan size: £500,000 (Up to £1m within the M25 subject to max 90% LTV and underwriter assessment)
Submit a DIP

Not registered? Register Now

Owner Occupied/Residential - Fixed Rate

Initial Rate Product Term Revert Rate Arrangement Fee LTV
2.27% Fixed Fixed to31.03.2021 4.64% (SVR-1.00%) £999 80%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase (including First Time Buyers) & Remortgage Yes 2% for 2 years* 3.7% 0.35% DR0648

The interest rate charged will not fall below 2.00% (the minimum interest rate) at any point during the mortgage.

The minimum term for this product is five years.

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

Initial Rate Product Term Revert Rate Arrangement Fee LTV
2.57% Fixed Fixed to31.05.2024 4.64% (SVR-1.00%) £999 80%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase (including First Time Buyers) & Remortgage Yes 3% for 5 years* 3.0% 0.35% DR0649

The interest rate charged will not fall below 2.00% (the minimum interest rate) at any point during the mortgage.

The minimum term for this product must equal or exceed that of the fixed rate period.

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

Initial Rate Product Term Revert Rate Arrangement Fee LTV
2.57% Fixed Fixed to31.03.2021 4.64% (SVR-1.00%) £999 90%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase (including First Time Buyers) & Remortgage Yes 2% for 2 years* 3.8% 0.35% DR0650

The interest rate charged will not fall below 2.00% (the minimum interest rate) at any point during the mortgage.

The minimum term for this product is five years.

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

Product Criteria

  • Minimum age 21
  • Interest only to 70% max LTV and subject to an acceptable repayment strategy
  • Minimum loan size: £30,000. Maximum loan size: £1,000,000 up to 80% LTV or £500,000 above 80% LTV. Loans over this are priced on a bespoke basis and have restricted LTV’s
Submit a DIP

Not registered? Register Now

Owner Occupied/Residential - Discount

Initial Rate Product Term Revert Rate Arrangement Fee LTV
1.54% (SVR -4.1%) 2 Years 4.64% (SVR-1.00%) None 60%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase & Remortgage Yes 1.00% (for two years) * 4.0% 0.35% DR0602

The interest rate charged will not fall below 1.29% (the minimum interest rate) at any point during the mortgage.

Initial Rate Product Term Revert Rate Arrangement Fee LTV
1.64% (SVR -4.0%) 2 Years 4.64% (SVR-1.00%) None 70%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase & Remortgage Yes 1.00% (for two years) * 4.0% 0.35% DR0603

The interest rate charged will not fall below 1.39% (the minimum interest rate) at any point during the mortgage.

Initial Rate Product Term Revert Rate Arrangement Fee LTV
1.74% (SVR -3.9%) 2 Years 4.64% (SVR-1.00%) None 80%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase & Remortgage Yes 1.00% (for two years) * 3.6% 0.35% DR0604

The interest rate charged will not fall below 1.49% (the minimum interest rate) at any point during the mortgage.

Initial Rate Product Term Revert Rate Arrangement Fee LTV
2.74% (SVR -2.9%) 2 Years 4.64% (SVR-1.00%) None 90%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase & Remortgage Yes 1.00% (for two years) * 4.0% 0.35% DR0605

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
3.84% (SVR -1.8%) 2 Years 4.64% (SVR-1.00%) None 95%
Purpose Portable ERC APRC Procuration Fee SBS Code
Purchase Yes 1.00% (for two years) * 4.4% 0.35% DR0606

The interest rate charged will not fall below 2.00% (the minimum interest rate) at any point during the mortgage.

Not available to First Time Buyers.

Applicants cannot have other property in the background if LTV is above 90%

Applicants must be able to produce their last year’s mortgage statement

Product Criteria

  • Minimum age 21
  • Interest only or repayment
  • Interest only to 70% max LTV and subject to an acceptable repayment strategy
  • Minimum term: five years
  • Minimum loan size: £30,000. Maximum loan size: £1,000,000 up to 80% LTV or £500,000 above 80% LTV. Loans over this are priced on a bespoke basis and have restricted LTV’s

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

Submit a DIP

Not registered? Register Now

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Best Service from a Mortgage Provider - Moneyfacts Awards 2014