United Trust Bank

How to register with this lender as a new user

To register, please follow this link: www.utbankmortgages.co.uk/BrokerRegistration/RegisterFirm

Registration will be confirmed within 24 hours (weekdays only). If you need some help, please call our mortgage enquiries team between 9am-5pm Mon-Fri on 0207 031 1551 or email us at mortgage.enquiries@utbank.co.uk.

How to add Mortgage Club as a payment route with this lender

To add the mortgage club as a payment route, please contact mortgage.enquiries@utbank.co.uk.

How to contact this lender

Our mortgage enquiries team are on hand to help Monday–Friday, 9am to 5pm.

Please call us on 0207 031 1551

Email us at mortgage.enquiries@utbank.co.uk

Visit our website www.utbank.co.uk/intermediaries/mortgages

If you are interested in bridging finance, please contact UTB’s Bridging division which is separate from Mortgages on 020 3862 1002 or email bridging@utbank.co.uk

Who we are

  • Our Specialist Mortgage division offers residential, buy-to-let and second charge mortgage products designed for borrowers who are underserved by the mainstream mortgage market, funded by our savings and deposits divisions at the bank.
  • Our criteria caters for those whose circumstances do not fit within many ‘high street’ lenders’ whether it be related to property type and construction, self-employed or complex income and those who have historically experienced imperfect credit.
  • Our mortgage division is 100% intermediary focused and our fantastic people strive to provide successful outcomes when supporting our broker partners in their quest to deliver great customer outcomes.
  • We deliver this through listening to feedback, adapting to change, embracing technology supported by a human touch in our sales and underwriting divisions.
  • Our goal is to be the go-to lender for specialist mortgages.

What we do

  • Residential mortgages
  • Buy-to-let mortgages
  • Second charge mortgages

Customers we love to help:

  • Properties with non-standard construction - concrete, single skin brick, steel framed, timber framed, glass, and many more
  • Non-standard property types – flats above commercial, rural cottages, penthouses, high rise flats, balcony access, converted properties, properties with land and outbuildings
  • Unencumbered properties – those without a mortgage or mortgage history
  • Professionals and those with complex incomes – multiple income streams and irregular income
  • Self–employed and contractors – Limited Company, sole traders and contractors
  • People with a less than perfect credit history
  • Buy-to-Let landlords large or small, individuals, limited companies (incl. SPVs), portfolio and non-portfolio, HMOs, MUBs, holiday lets and serviced accommodation
Fee received from lender
(Gross fee)
We'll pay you
(Net fee)
Resi Purchase/ Remortgage0.45%0.40%
Second charge1.25%1.00%
Non-Standard BTL0.80%0.75%