Pricing & Fair Value Assessment

These documents are for Intermediaries only to enable you to understand the characteristics of our products, the identified target market (including any characteristics of vulnerability), our distribution strategy for the product and our internal assessment of its fair value.  You should use this information  to assist you to comply with your responsibilities under PRIN 2A.3.16 R and PRIN 2A.4.16 R.

Please note that you are ultimately responsible for meeting your obligations under ‘The Consumer Duty’ and any other regulatory obligations for the activities you undertake.

We’re here to help intermediaries.

Our mortgage business is built on supporting brokers and their customers from application through to completion. Whether you’re in a network, mortgage club, packager or independent, our expert team of business development managers will work with you to secure mortgages for those customers with more colourful credit histories or unusual requirements. We combine specialist underwriting skills with cutting-edge technology to assess every case on its merits, providing a range of first and second charge products to suit most customers’ needs including interest only, FTB, self-employed and unencumbered capital raising mortgages. We’ll look for reasons to say yes on even the most challenging cases and offer help and support from our relationship managers and underwriters via webchat, our Broker Zoom Room or plain old phone and email.

The benefits of working with UTB

There are several benefits to working with us, but it always returns to our ability to deliver successful outcomes for our brokers and their clients. We support brokers by providing a dedicated account manager to help progress your cases and grow your business. We give you direct access to our experienced underwriters who oversee a case from submission to completion. We understand that speed is paramount and continue to invest in improving our processes and integrating market-leading technology to ensure the customer and broker journey is as quick and straightforward as possible.

Product Information

We offer a broad range of Residential, Buy-To-Let (BTL) and Second Charge Mortgages designed to accommodate customers who require a more specialist approach, that is underserved by mainstream lenders’ criteria.

Our Residential Mortgages are available to those looking to purchase a new home, or to remortgage an existing loan or to release capital for a variety of uses including from a currently unmortgaged property.

Similarly, our BTL products cater for landlords looking to purchase new investment property, or remortgage for a variety of reasons, and can be secured against many non-standard property types including HMO and MUBs.

Our Second Charge products allow customers to release capital from their home without having to remortgage. This may be particularly useful if the borrowers’ wish to keep their existing first charge mortgage because it benefits from advantageous interest rates or terms, or if they have had a change in circumstances since taking their original mortgage out.

You can view full product information here.

Our mortgage loans can be
used for:

  • Home improvements
  • Expanding a property portfolio
  • Purchasing a car
  • Children’s tuition fees
  • Mortgages
  • Financing a wedding
  • Paying a tax bill
  • Consolidating existing outgoings into one monthly repayment. If the term of the agreement is longer than those being repaid, the total amount repayable may be higher.


  • Many property types considered, subject to valuation
  • Employed, Self-Employed and Pension income considered
  • Affordability must be evidenced for the entire loan term
  • Previous credit history taken into account

Our process

Register to become an intermediary

Becoming an intermediary is quick and easy. Either contact your local business development manager here or complete our simple registration form. If you are already registered with UTB Mortgages, sign in to our broker portal here


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