When your clients don’t fit a standard tick box approach, you need a lender who looks beyond the numbers. This recent case perfectly demonstrates how UTB’s flexibility, speed and human approach to underwriting help brokers get even the most complex residential applications over the line.
| Why UTB? | 75% LTV property purchase Married couple, both self-employed working in the construction industry |
| Product | Prime Plus |
| Loan amount | £995,000 |
| Special Features | Arrears on credit card, looking to purchase new build home. Both self-employed. Business was reporting a loss until last 2 years following investment. 9 weeks from app to completion. |
UTB’s Prime Plus product provided the perfect blend of competitive pricing and flexible criteria-but it was the manual underwriting that made the real difference.
Our team took the time to understand the couple’s self employment income patterns, the turnaround in their business performance, the context behind the historic arrears and the strength of the overall application despite non standard elements. Instead of declining the case based on automated triggers, our underwriters looked at the real story-and backed the clients’ proven trajectory.
Despite the complexities, the case moved from application to completion in just 9 weeks. Clear communication throughout the process ensured the broker and clients always knew where things stood, keeping the purchase on track.
UTB delivered a smooth, pragmatic solution that allowed the couple to secure their new build home without delay.
When your client’s profile isn’t straightforward, UTB’s human approach and quick decision making can mean the difference between a declined case and a completed mortgage.
***FOR PROFESSIONAL INTERMEDIARIES ONLY***