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Planned maintenance

Our online services will be unavailable from midnight Saturday until Sunday evening. During this time, you won’t be able to login to your account or register.

Human-made decisions, for even the trickiest of cases.

Whether it’s mortgages for older borrowers or foreign nationals, our manual underwriting services and dedicated team will be here to provide an unrivalled service for our intermediaries.

DIP Decision in:

2 days

Mortgage Application reviewed in:

4 days

Post application additional documents reviewed in:

3 days

Offer produced in:

5 days

Calls answered within:

1 min

Mortgage Illustration in:

Immediate

We've launched Fixed Rate Retirement Interest Only Mortgages!

As demand for later life lending solutions continues to grow, we’re committed to supporting you with responsible products that offer flexibility, choice, and stability for your clients.

✓ Maximum Loan: £750,000 

✓ Maximum LTV: 55% 

✓ For customers aged 55 and over

✓ Undrawn Pension Pots and Investment Portfolios can be considered to aid affordability 

RIO Mortgages

We’re delighted to have won Best First Time Buyer Mortgage Provider at the MoneyNet Awards for a third year running!

We’re really proud to have won the Best First Time Buyer Mortgage Provider at the Moneynet Awards 2026 for the third year in a row. This award reflects our longstanding support for first-time buyers and helping them step onto the property ladder through our innovative and competitive products. 

We’re delighted to have won Best First Time Buyer Mortgage Provider at the MoneyNet Awards for a third year running!

We’re really proud to have won the Best First Time Buyer Mortgage Provider at the Moneynet Awards 2026 for the third year in a row. This award reflects our longstanding support for first-time buyers and helping them step onto the property ladder through our innovative and competitive products. 

Latest updates

First-time buyers need more than promises of supply

With its ambitious promises to create 1.5 million new houses over the next five years, Labour will be providing the largest boost to affordable housing in a generation.

Expats play a growing role in our private rental market

For many, there is a stereotypical view of expat landlords. Invariably, people picture tycoons who own property in the UK but live a luxurious life outside the country. While that image of people basking in the sun as the rent money rolls in might seem like a life on easy street, the reality can be quite complex.

Supporting your customers with their mortgage

If your customers are worried about their mortgage rates rising and how this may affect them, arranging a new deal, extending their term, or temporarily switching to Interest Only, are just some of the options that could help them manage their residential mortgage repayments.