We understand Mortgages.

Our range of specialist mortgage products and common-sense approach to underwriting are designed to cater for the many people underserved by mainstream mortgage lenders. Our dedicated team offers a range of innovative Residential and BTL Mortgages as well as Second Charge Loans.

Our mortgage products are available through a growing number of mortgage intermediaries and we work closely with our broker partners to ensure they have a deep understanding of our products and lending criteria so that they can give you suitable advice and options.

Worried about your mortgage payments?

If you have a mortgage with us and are worried about repayments, find out more about how we can help and the UK government’s Mortgage Charter.

Thinking of a UTB Mortgage?

We can often help when mainstream lenders can’t, so small blips in your credit history or a “less than perfect” score aren’t necessarily a problem.

Complex income? Not a problem…

We accept most types of income, so if you have multiple sources such as employed, self-employed, commission, maintenance, rents or other sources then we are happy to take a view, subject to satisfactory evidence.

Here to help

Whether you’re looking to buy a home, carry out home improvements, consolidate your debts or have another reason you wish to secure a loan against your home, our award-winning team and broker partners are here to help.

Our registered mortgage intermediaries will be able to offer you advice and recommend the most suitable option for your needs.


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.

Product Highlights

✔ 2/3/5 year fixed rate options
✔ BOE lifetime Tracker
✔ No ERC products
✔ Interest only options
✔ Consider all property types
✔ Previous Adverse credit history accepted
✔ Complex income accepted, subject to affordability checks
✔ Product transfers available at the end of any fixed rate period

Already have a UTB Mortgage?

At United Trust Bank we aim to provide an excellent service to our customers, if you would prefer to speak to somebody please call us on 0330 0535715. Alternatively please select one of the below options.

Worried about your mortgage payments? We’re here to help.

We understand that you might be anxious about the cost of living crisis and how to keep up with your mortgage payments as well as paying your other bills.

In general, if you can find a way to continue your current mortgage payments then you should do so. But we can offer you other options in case you can’t.

Difficulties Paying your Mortgage? Learn more about the Mortgage Charter

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Worried about your mortgage payments? We’re here to help.
We understand that you might be anxious about the cost of living crisis and how to keep up with your mortgage payments as well as paying your other bills.

In general, if you can find a way to continue your current mortgage payments then you should do so. But we can offer you other options in case you can’t.

United Trust Bank and the government’s Mortgage Charter
UTB, along with other banks, has agreed to the commitments of the Mortgage Charter released by the UK government. The charter sets out how banks can give customers additional flexibility with their mortgages. The Charter only applies to first charge mortgages but if you are struggling with a second charge mortgage you can still contact us and we’ll be happy to help.

The Mortgage Charter says that customers who are currently up to date with their payments can:

Contact their bank to discuss options for support if they are struggling.

Choose to pay only the interest payable on their mortgage for a 6-month period.
If you have a capital repayment mortgage and are unable to meet your monthly payments in the short term, you may be able to change your monthly payment to just pay the interest for 6 months. If you choose this option, you’ll start a 6-month period of temporary interest-only payments. This means that your monthly payments will only cover interest – not the mortgage capital (the amount you borrowed) itself. When the temporary interest-only period ends and you go back to paying your mortgage in the usual way, your payment will cover both the interest and the capital again, and the payments will be higher at this time to ensure your mortgage is fully repaid within the term. Overall, using a temporary interest-only period means that the total amount you’ll need to repay will be higher. But it can be useful because the monthly payments during the 6 months are lower.

Extend their mortgage term, with the option to reverse it within 6 months.
You may be able to extend the term of your mortgage. This could help reduce your monthly payments. You will then have the option of reversing this term extension. We can do this without affordability checks provided your term doesn’t extend into your retirement. Extending the term of your mortgage means that you’re agreeing to pay your mortgage over a longer period of time. If you only need to do this temporarily, you will have the option to reverse this change so that your mortgage goes back to its original term within 6 months. If you do not elect to any future request to reduce the term would require an affordability assessment. By extending your term you will lower your monthly payment, but you will increase the total amount you pay back over the term of the mortgage. You can minimise the impact to the total amount you pay by choosing to reverse your term within 6 months. However your monthly payments will increase when you reduce your term.

If you are already behind with your payments the Charter does not apply but you should still contact us as soon as possible as there are still options available.

UTB offers the option of switching your mortgage rate up to 3 months ahead of your rate expiring.

It’s important to make sure that any changes you make to your mortgage are right for you. If you have any questions, call us on 0330 0535715 or email us [email protected] and we’ll be happy to help. A chat about your options won’t affect your credit score, so the sooner you get in touch with us, the sooner we can help.

Lines are open 8:30am to 5:30pm Monday to Friday.

What other help is available?
Other organisations can offer free financial help and support. This may help if you are struggling with payments to multiple lenders.

Take a good look through the following sites, you may wish to discuss your personal situation with them ahead of calling us.

How to make a payment

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Ways to Pay

Direct Debit
Let us do the work. We will collect your monthly instalments directly through your bank. Whenever there is a change to the amount or date of collection we will write to you in advance.

Self Service Payment Line
Payments can be made 24 hours a day without the need to speak with one of our team.

Tel: 0330 0535715 (option 1)

Standing Order
You can set up a Standing Order with your bank so payments are made automatically each month. If however there is a change in your instalment, unlike a Direct Debit, you will need to make the change with your bank. Please quote your account number as the reference.

Account Number: 14487868
Sort Code: 30:80:12

Bank Transfer
You can visit your bank or make payment 24 hours a day through online banking. Please quote your account number as the reference.

Account Number: 14487868
Sort Code: 30:80:12

If you prefer to make payments by cheque, you can post this to the address at the top of our letter. Please allow 5 working days to clear with your bank. Please note that there is a £15.00 fee for payment by cheque.

Request a Redemption Statement

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Please click here for our redemption statement request form.

Please note that our standard turnaround time for redemption statements is 5 working days. Should you be planning to complete on a house sale/purchase or remortgage sooner than this, please call us on 0330 0535715 (option 3).

Send us a message

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If you would like to discuss any of the above please send us a message using the form here.

Coming to the end of your fixed rate?

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If your current United Trust Bank mortgage is coming to the end of its fixed rate period then you will have the option to switch to one of our current products.

• We will write to you 90 days prior to the end of your fixed rate period to notify you of the products that are currently available for you.

• Enclosed will be a form for you to read, sign and return if there is a product that suits your needs.

• Upon receipt of your product switch form our team will process the change in readiness for the end of your fixed rate.

IMPORTANT – Please note that United Trust Bank cannot provide any advice on the suitability of the product you choose. If you are unsure what product is best for you, you will need to speak to an independent credit intermediary. This can be the one you used originally to take your mortgage out, or another Financial Conduct Authority regulated adviser.


What happens if I do not switch?

You have up until 3 months after your product expiry date to transfer.

If you decide that you do not wish to transfer then your fixed rate period will end and move onto our standard variable rate. Please see section 4 of your mortgage offer for further details.

Lastly, If you have not received your letter and your fixed rate is due to end then please feel free to call or email us on the below contact details.

Email: [email protected]

Phone: 0330 053 7515

Our commitment to tomorrow

Although our activities have limited direct impact on the environment, we are aware of the important role businesses can play in society and protecting our planet.

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