News & media

United Trust Bank (UTB) has increased its maximum first charge residential mortgage size to £1million following feedback from brokers that there is increasing demand for larger mortgages from customers who…

United Trust Bank (UTB) has announced the restructure of its Mortgage Sales Team reflecting the strong growth of the Mortgage Division and its continued commitment to support the broker market…

Our customer wished to borrow £234,000 as a second charge against his main residence in order to settle a large income tax bill. The borrower had fallen foul of controversial retrospective tax legislation known as ‘Loan Charge’. HMRC have applied Loan Charge to around 50,000 self-employed people in the UK who previously used Umbrella Companies…

Being a single father of a teenager can be expensive. Our applicant noticed the balances on his credit cards were creeping up and his disposable income was shrinking. He decided it was time to sort out his finances and make a fresh financial start in the New Year. The applicant discussed his options with a…

Having moved into their new home six years ago, fitted a new kitchen, decorated throughout and landscaped the gardens, our borrowers’ budget was just about under control. Then came their wedding and their outgoings on various loans and credit cards became a little too much to manage and leave enough expendable income to enjoy their…

United Trust Bank has launched a new range of first charge residential house purchase mortgage products designed for customers underserved by mainstream mortgage lenders. The new products are aimed at…

United Trust Bank has launched a facial recognition ID verification service through a bespoke smartphone App aimed at saving its mortgage introducers and customers time, hassle and money. The new…

Our applicant, a self-employed professional with an expanding business, wanted to put the equity in their home plus some savings to good use by investing in a buy to let (BTL) property. The applicant discussed their options with their Credit Intermediary, who was an approved introducer for UTB, and together they completed a fact find…

With our recent entry to the specialist remortgage market, UTB was able to assist a semi-retired, self-employed couple re-mortgage their home and consolidate most of their existing credit, releasing over £500 per month of disposable income. Our applicants had just over a year of their interest-only mortgage left to run but no means to repay…

As all parents know, raising a family can be a very expensive business. Even more so when you have pre-teen twins! Our applicants realised that their spending was beginning to get beyond their means. With a high number of credit cards and loans, their monthly outgoings were increasing, action was required, and they needed to…