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 range of specialist mortgage products designed to accommodate customers who don’t meet mainstream lenders’ automated lending criteria.
Our second charge mortgages give customers the opportunity to release capital from their home without remortgaging and having to give up advantageous terms on their existing first mortgage.
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.
Criteria
- 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
1.
Submit an application through our Mortgages Portal to get a Decision in Principle
2.
Bespoke case requirements are shown to allow fully packaged cases to be submitted
3.
Cases are allocated to an underwriter who will manage the case through to Mortgage Offer
Awards
Best Second Charge Mortgage Lender 2021
United Trust Bank (UTB) has won two of the leading lender categories of the FR Awards 2021
Secured Loan Lender of the Year 2021
UTB has won Secured Loan Lender of the Year at the SFI 2021 Awards
Best Secured Loan Lender
United Trust Bank wins ‘Best Secured Loan Lender’ award for the second year running

News for intermediaries
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