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 highly-skilled and dedicated team offers a range of innovative first and second charge mortgages all delivered with outstanding customer service.

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.

Thinking of a UTB Mortgage?

We can often help when mainstream lenders can’t. Our lending decisions aren’t based on your credit score so small blips in your credit history aren’t necessarily a problem. Instead, we combine specialist, personal underwriting and cutting-edge technology to assess each mortgage application on its merits. 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 is 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.

Our lending criteria

As a responsible lender, before offering you a mortgage we need to be confident you can afford it. While mainstream lenders might take a tick-box approach, ruling out potential borrowers because of a blemish on their credit score, or because they want to buy something more unusual than a three-bed semi, we assess each customer and property on its merits. As well as employed income, we also consider self-employed, contractor and pension income.

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.

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).

Difficulties Paying your Mortgage?

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Managing finances can be difficult at the best of times and with the added challenges we’re all facing because of coronavirus, meeting your monthly mortgage payments might be a big concern for you at the moment.

There are a number of options available that may be able to assist you during this period of difficulty. Most of our customers have found that the sooner they contact us to discuss the situation, the sooner they feel more in control of their situation.

If you can, before calling us, you may find it beneficial to complete a budget form to enable you to clearly know how much money you have coming in each month, where it is spend and how much you have left. If you have not already completed one of these, we have one available here which you can send to us and keep for your records.

If you would prefer to speak to a member of our team please call us on 0330 0535715.

We’ve also given details of other organisations that can offer free financial help and support. Take a good look through the following sites.

To help us better understand your circumstances please complete an Income and Expenditure form here, this will enable us to consider the best possible assistance we can offer dependant on your personal circumstances.

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.

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.