A quick reminder of our Criteria / Product Highlights:
- Fair view credit assessment – we only assess your client’s most recent 2 years credit history for product terms
- New and Simplified “Easy as 1, 2, 3” approach to accepting CCJs, Defaults & Missed Payments registered within 2 years (see full product guide for details)
- Defaults for Communications / Utilities under £350 do not affect product tier
- Max LTV 90% including debt consolidation up to £60,000
- Latest years’ figures used for self-employed customers, potentially including net profits for Ltd Co Directors
- Bankruptcy & IVA – 3 years discharged available up to 85% LTV
- No upfront application fees
- Free AVM or valuation up to £700,000 (Remortgage only)
- Free lender only legals – challenging current market approach by streamlining the legal process (Remortgage only)
- Broker fee and Completion fee can be added to the loan with no interest charged
| No Fees |  | SmartApps |
|---|---|---|
| No Application Fees Free to Use Specialist Lender Portal Key Once for all Products Applications, Documentation. Helpdesk Support. | Universal DIP for all Lenders and Products. Underwrites in Real Time Watch the Lenders Change Populates all Applications | One Data Capture Section Populates all lender applications and Documents |
TFC, working with intermediaries for over 30 years.
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