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.


  • 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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