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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

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

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, TMA Mortgage Club, 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. 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.

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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.

Self-employed mortgage – Case Study

The following example, although hypothetical, is typical of the type of situation which many self-employed people face.

David the graphic designer

Self Employed

David is a graphic designer with more than 15 years experience working for a leading design agency.

He has been responsible for creating a number of award-winning advertising campaigns and running a department of more than 12 designers, who produce both digital and print work for a number of leading consumer and business-to-business clients.

Just over 18 months ago, David decided the time had come to break away from his employer and set-up his own agency. He knew he had the skills and experience and was confident that he could quickly build-up his own client base. But rather than simply handing in his resignation, David discussed his intentions with his boss who agreed to sub-contract some work to David, which would help during really busy periods.

This arrangement gave David the confidence to make the move and he set up his own agency, initially targeting leading retailers and online traders. His confidence was justified as new business started to roll-in and, before long, David had employed 3 additional designers and signed a lease on a studio within walking distance of his home. There was no looking back; the business was growing rapidly and going from strength-to-strength.

At the end of his first year, David’s accounts told an upbeat story with healthy profits and his combined income and dividend payments exceeding his salary as an employee. He therefore decided to celebrate by replacing both the bathroom and kitchen in his home, which were long overdue a facelift.

But when David tried to remortgage to raise the additional finance he needed, he was surprised to discover that several lenders wouldn’t consider his application because he had only one year’s accounts to show. He pointed out that he was trading profitably and had a growing order book and income stream, but his words fell on deaf ears.

David therefore decided to speak to a local independent mortgage broker, who recommended Saffron’s specialist Self Employed Mortgage. He explained to David that Saffron was willing to accept his first years’ accounts along with a projection of his future earnings and sight of 6 months’ personal and business bank statements.

Saffron’s Solution:

Saffron was able to offer David a 5-year discount with no Early Repayment Charges and gave him the facility to make capital repayments at any time and reduce his mortgage interest rate when his outstanding balance dropped into a lower loan-to-value band. This facility, which is free of charge, was of particular interest to David as it meant that if his business continued to perform well, he could pay off his mortgage sooner and benefit from a lower mortgage rate in the meantime.

Saffron’s Self Employed Mortgage was the perfect solution to David’s needs.

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Best Service from a Mortgage Provider - Moneyfacts Awards 2014