Our mission is to build a bank that challenges the conventions of traditional banking. We aim to take a broader view of customer lending criteria, solutions, quickly and conveniently.

First charge or second charge, residential or buy to let, unlike others we don’t box-tick or credit-score. Society is changing, and our mortgage products reflect that: from helping contractors and self-employed to those that don’t meet the typical high street profile.


Self Employed

  • From 18 months trading – accountants certificate accepted
  • Salary plus share of dividend used for Limited Companies

Credit Flexibility

  • No Credit Scoring
  • CCJs/Defaults under £300 or over 36 months allowed
  • Recent CCJs/Defaults and missed mortgage payments also considered


  • From 3 months in the role
  • Day rate x 5 x 46
  • 3 months remaining on contract and evidence of renewal

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