What we do  

• We lend up to 95% LTV for purchases and remortgages, including additional borrowing for home improvements or payment of final share of shared equity loan. 

• Ability to use income (including retirement), up to age 80 for later life borrowers. 

• For family purchases, we lend 100% of sale price (up to 95% of OMV) and up to 95% for Dependent Purchases. 

• Large Loans considered up to £3 million (tiered limits apply). 

• New Build up to 95% LTV on houses and 80% on flats. 

• Maximum 40-year term for residential applicants. 

• No minimum income requirement for Interest Only. 

• No maximum age for Buy to Let. 

• Maximum 80% LTV for newly self-employed clients with only one year’s full accounts. 

• Joint Mortgage Sole Proprietor available for purchase and remortgage to support borrowers requiring family support.* 

• 10% overpayment facility per annum plus an additional monthly overpayment of up to £499.99. 

• Secure a new rate for clients up to 6 months ahead of the product maturity date. 

*Subject to product availability.  

Products from Newcastle for Intermediaries can be accessed by using Next Intelligence as your payment route.