Who We Are
TFI is the dedicated intermediary subsidiary of Teachers Building Society. If the property your client is looking to buy is unusual or there are any other complication factors like age, income or a shorter term required, TFI welcome a challenge to provide a borrowing solution. Of course, remain true to our heritage and still go out of our way to help those working within the teaching profession.
- Teacher – USPs
- Open to All Occupations
- Complex – utilising our manual underwriting
- Shared ownership and newbuild options
What we do for those working in the teaching profession.
“For Teachers Think Teachers ...”
- ECT (Early Career Teacher) – first teaching contract solution
- New teacher contracts – moving from permanent contract to FTC
- Timing of application - Able to work off contract / offer letter rather than payslips
- Specific Supply Teacher Criteria
- Can lend up to x 5 income multiple at 95% LTV - subject to affordability
- Moving in ahead of new salary – potential to complete 2 months ahead of new role starting
- Only one applicant needs to be the teacher
What we do under complex lending for all occupations.
- Multiple incomes streams used for affordability such as investments or trust income
- Short term bridge alternative lending with no ERC
- Unusual property types for residential, BTL and Holiday let lending
- Interest Only lending into retirement
- No credit score lender with manual underwriting
- The ability to get through quickly and easily to discuss a case …
- NHS / Police – allowances & overtime treated as primary income
- New contracts / probation / timing of application
- Remo Debt Consolidation solution – call in and discuss with the TFI team
- Shared Ownership solution – 95% share for teachers / 90% share for wider occupations
- Can lend up to x 5 income multiple at 95% LTV - subject to affordability
*Products from Teachers Building Society can be accessed by using Next Intelligence as your payment route.