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, PMS, Sesame, TMA Mortgage Club

email: gemma.reynolds@saffronbs.co.uk

Holly Andrews: 01799 582885

3MC, 3MC Club, Brightstar, Brightstar Club, Complete FS, Impact Specialist Finance, Mortgage Intelligence, Next Intelligence, Platinum Options, Positive Lending (UK) Ltd, Positive Lending Club, Quilter, SimplyBiz, TBMC, Tenet, 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.

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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.

News

Saffron launch niche Houses in Multiple Occupation (HMO) mortgages

A report in The Guardian1 in April revealed that there has been an increase in the number of people living alone. The number of those living on their own increased by 16% between 1997 and 2017, to 7.7 million and it is predicted that nearly 11 million people could be living alone in twenty years’ time.

The changes to Buy-to-Let regulation have also resulted in landlords looking at how they can maximise rental yield. Houses of Multiple Occupancy have become a key area of focus. A combination of more people living alone and the increased rental yield means that this segment of the market has great potential to grow further.

At Saffron, we have introduced a series of niche HMO Mortgages designed to not only increase landlord’s income, but in the most efficient way possible creating new opportunities for intermediaries and their customers.

Our four new products form part of our expanding portfolio of specialist mortgages. The key features of the product are:

Product key features:

Small HMO BTL:
3.37% fixed until 31.10.2021, 75% LTV (2 Year)

Large HMO BTL:
3.67% fixed until 31.10.2021, 65% LTV (2 Year)

Small HMO BTL Light Refurb:
3.64% (SVR-2.0%), 3 Year Discount, 75% LTV

Large HMO BTL Light Refurb:
3.94% (SVR-1.7%), 3 Year Discount, 65% LTV

Target Market

The Small HMO products are designed for experienced Buy-to-Let investors looking to purchase their first HMO property (maximum tenants 4), add to their existing portfolio of HMO properties or re-mortgage an existing HMO mortgage. The Large HMO alternatives relate to properties designed to accommodate up to 6 tenants.

Wider options for landlords include HMO products where properties require a level of light refurbishment prior to renting the property. This may be cosmetic work, work to meet HMO regulation or light internal structural work to create additional bedrooms.

In addition to the new HMO mortgage options Saffron is introducing an improved 3.44% (SVR-2.2%) 3 Year Discount BTL Light Refurbishment product with an LTV of 75% giving even further choice to those wishing to secure an income from rental property.

These new mortgages are open to applications from private landlords or landlords operating as a limited company.

Where to go for more details

Full product details can be found here.
If you have any questions please speak with our Business Development Mangers, who will be happy to help:

Holly Andrews: 01799 582885
Katie Sharpe: 01799 582923
Gemma Reynolds: 01799 582925

Brokers can easily submit a case via our online broker portal.

Source:
1 Nearly one in seven Britons could live alone by 2039, The Guardian April 2019

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