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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

http://www.mortgagecircle.co.uk/

Mortgage Circle, 157A Stratford Road, Solihull (2026)

18/05/2026

🏡 Understanding Loan-to-Value (LTV): What Does It Mean?

If you’re exploring mortgage options, you may have come across the term Loan-to-Value (LTV) — but what does it actually mean? 🤔

LTV is the percentage of a property’s value that is borrowed through a mortgage.

Example:

If a property is worth £200,000 and you have a £40,000 deposit, you would need to borrow £160,000.

➡️ This would mean your mortgage is at 80% LTV.

🔑 Why is LTV important?
• A larger deposit may reduce the amount you need to borrow and may improve the range of products available
• Lower LTV mortgages may provide access to a wider range of products and rates, depending on individual circumstances
• Lenders assess LTV alongside affordability, credit history, and lending criteria when reviewing applications

Typical LTV ranges:

🏠 95% LTV → 5% deposit
🏠 90% LTV → 10% deposit
🏠 75% LTV → 25% deposit

Every lender has different criteria, and the most suitable mortgage option will depend on your individual circumstances.

At Mortgage Circle, we help clients understand their options and navigate the mortgage process with confidence.

📞 Get in touch with our team today:
📍 0121 572 0675 / 0800 644 0190
🌍 www.mortgagecircle.co.uk

⚠️ Important: Your property may be repossessed if you do not keep up repayments on your mortgage.

ℹ️ Disclaimer: This post is for informational purposes only and does not constitute financial advice. Mortgage approval is subject to status, affordability, and lender criteria.

27/04/2026

We were delighted to welcome Scott Leach, Regional Account Manager at Landbay, to our Mortgage Circle office this week 🤝🏡

It was a great opportunity to strengthen our relationship and gain further insight into how Landbay supports brokers and landlords with flexible buy-to-let lending solutions, designed to meet a wide range of property investment needs.

🔑 Landbay – Lending Overview
• Buy-to-Let Specialists: Landbay provides buy-to-let mortgage solutions for a range of landlords, including individuals and limited companies, subject to criteria.
• Loan-to-Value: Lending available up to 75% LTV, with higher LTV options available on selected products, subject to criteria.
• Minimum Income: Minimum earned income typically from £25,000, subject to criteria and borrower profile.
• Flexible Borrower Types: Applications may be considered from individual landlords, limited companies (including SPVs), LLPs, and portfolio landlords, subject to lending requirements.
• Property Types: Lending available across a range of property types, including standard buy-to-let, HMOs, and Multi-Unit Freehold Blocks (MUFBs), subject to criteria.
• Product Options: A range of fixed-rate products are available, including 2-year and 5-year options, subject to availability.
• Digital Platform: Broker-focused digital platform designed to support efficient case processing and access to up-to-date criteria.

Working closely with BDMs like Scott helps ensure we continue to provide informed, up-to-date guidance and support clients in exploring suitable buy-to-let mortgage options.

📞 For tailored mortgage advice, contact us:
📍 Call: 0121 572 0675 / 0800 644 0190
🌍 Visit: www.mortgagecircle.co.uk

⚠️ Important: Your property may be repossessed if you do not keep up repayments on your mortgage.

ℹ️ Disclaimer: This post is for informational purposes only and does not constitute financial advice. Lending criteria, terms, rates, and product availability are subject to change and depend on individual circumstances.

22/04/2026

We were delighted to welcome Shahmoz Rafiq, BDM at Whitehall Lending, to our Mortgage Circle office this week 🤝🏡

It was a great opportunity to strengthen our relationship and gain further insight into how Whitehall Lending supports brokers and clients with flexible, short-term property finance solutions.

🔑 Whitehall Lending – Lending Overview
• Specialist bridging finance for a range of property transactions, subject to individual assessment
• Loan sizes from £100,000 up to £20m, typically over terms of up to 12 months
• Lending available up to c.70% LTV, subject to security and case specifics
• Flexible interest options, including serviced or retained interest (rates from c.0.70% per month, depending on the case)
• Fast and flexible approach, with quick turnaround on indicative terms
• Complex and non-standard scenarios may be considered, subject to criteria

Working closely with BDMs like Shahmoz helps us continue to provide informed, up-to-date guidance and support our clients in exploring suitable lending options.

📞 Need tailored mortgage advice? Get in touch:
📍 Call: 0121 572 0675 / 0800 644 0190
🌍 Visit: www.mortgagecircle.co.uk

⚠️ Important: Your property may be repossessed if you do not keep up repayments on your mortgage or any secured loan.

ℹ️ Disclaimer: This post is for informational purposes only and does not constitute financial advice. Lending criteria, terms, and product availability are subject to change and depend on individual circumstances. Bridging finance is typically unregulated and not covered by the Financial Conduct Authority and may not be suitable for all borrowers.

13/04/2026

We were delighted to welcome Jon Kempson, Key Account Manager at United Trust Bank Limited, to our Mortgage Circle office this week.

It was a great opportunity to strengthen our relationship and gain further insight into how United Trust Bank supports brokers and clients with specialist lending solutions across a range of property and borrowing scenarios.

🔑 United Trust Bank – Lending Overview

• Specialist Lending Approach: United Trust Bank provides a range of lending solutions designed to support clients with complex or non-standard circumstances, subject to individual assessment.

• Bridging Finance: Short-term lending options are available to assist with property purchases, refurbishments, and time-sensitive transactions, subject to criteria.

• Second Charge Mortgages: Solutions are available for homeowners looking to raise additional funds without remortgaging their existing property, subject to eligibility.

• Buy-to-Let Lending: Products are available for landlords, including individual and limited company applicants, subject to criteria and lending requirements.

• Case-by-Case Assessment: Applications are considered based on individual circumstances, allowing flexibility where appropriate.

Working closely with BDMs like Jon Kempson helps ensure we can continue to provide informed, up-to-date guidance and support clients in exploring suitable lending options.

📞 For tailored mortgage advice, contact us:
📍 Call: 0121 572 0675 / 0800 644 0190
🌍 Visit: www.mortgagecircle.co.uk

⚠ Important: Your home may be repossessed if you do not keep up repayments on your mortgage.
ℹ Disclaimer: This post is for informational purposes only and does not constitute financial advice. Lending criteria, terms, and product availability are subject to change and depend on individual circumstances.

08/04/2026

🌟 BDM Visit: Dave Wheatley from Foundation Home Loans! 🤝🏡
We were thrilled to welcome Dave Wheatley, Regional Account Manager at Foundation Home Loans, to our Mortgage Circle office this week!

It was a great opportunity to hear more about Foundation’s specialist buy-to-let mortgage solutions and how they support a wide range of landlords and property investors.

🔑 Key Highlights – Foundation Home Loans

• Specialist Buy-to-Let Lending: HMOs, student lets, holiday lets, short-term lets, multi-unit freehold blocks, semi-commercial properties.
• Portfolio Landlords: Flexible approach with no formal portfolio limit (subject to lending maximums).
• Limited Companies: Supported with no maximum age and no minimum income stated publicly.
• Expat & International Applicants: UK property owners living overseas can be considered.
• Recent Industry-Reported Enhancements: 85% LTV products, acceptance of housing association / local authority tenants, larger loan sizes (reported by intermediary news).

Working closely with BDMs like Dave helps us provide up-to-date guidance and tailored solutions for landlords and property investors.

📞 Contact us for advice:
Call: 0121 572 0675 / 0800 644 0190
🌍 Visit: www.mortgagecircle.co.uk

⚠ Important: Investment property finance is complex. Your property may be repossessed if you do not keep up repayments.
ℹ Disclaimer: This post is for informational purposes only and does not constitute financial advice. Lending criteria, products, and terms are subject to change and depend on individual circumstances.

31/03/2026

We were delighted to welcome Debbie Lavender, Senior BDM at Afin Bank, to our Mortgage Circle office this week! 🤝🏡

It was a great opportunity to learn more about Afin Bank’s flexible and specialist mortgage solutions, helping a wide range of clients access the right financing.

🔑 Key Highlights – Afin Bank
• High LTV Options: Up to 95% LTV for qualifying Prime and Professional products
• Foreign Nationals: Eligible with 6+ months UK residency on a valid visa
• Borrowers Supported: First-time buyers, homemovers, self-employed, professionals, landlords
• Product Range: Fixed rate and tracker mortgages for residential & buy-to-let
• High-Net-Worth Solutions: Affordability can be assessed on net assets, including pensions and investments

Working closely with BDMs like Debbie ensures we can offer tailored solutions for complex circumstances and provide up-to-date lender guidance to our clients.

📞 Contact us for advice:
Call: 0121 572 0675 / 0800 644 0190
🌍 Visit: www.mortgagecircle.co.uk

⚠ Important: Your home may be repossessed if you do not keep up repayments on your mortgage.
ℹ Disclaimer: This post is for information only and does not constitute financial advice. Lending criteria, product availability, and terms are subject to change and will depend on individual circumstances.

24/03/2026

🌟 Great to Welcome Together & Charles Street Finance to Our Office! 🤝🏡

We had a fantastic visit from Kerry Jordan (Together) and Sabiha Moghal (Charles Street Finance) at Mortgage Circle this week.

It’s always valuable to spend time with lenders who take a flexible, real-world approach to lending, helping us find solutions for clients with a wide range of circumstances.

🔑 Together – What They Offer
• Applications reviewed using a mix of automated systems and manual underwriting
• A wide range of income types can be considered, including employed, self-employed, pensions and benefits
• Typically looks for 12 months’ employment history (not necessarily with the same employer)
• Adverse credit may be considered, depending on the overall case
• Offers solutions across residential, buy-to-let, second charge, bridging and development finance

🔑 Charles Street Finance – What They Offer
• Fully bespoke lending, with each case assessed individually
• Short-term bridging finance for residential and commercial properties
• Focus on speed and flexibility, especially for time-sensitive transactions
• Works with investors, landlords and developers across a range of scenarios

Both lenders highlight how important it is to have flexible options available, especially for clients who may not fit standard high-street criteria.

📞 Need mortgage advice? We’re here to help:
Call: 0121 572 0675 / 0800 644 0190
Visit: www.mortgagecircle.co.uk

⚠ Important: Your home may be repossessed if you do not keep up repayments on your mortgage.

ℹ Disclaimer: This post is for information only and does not constitute financial advice. Lending criteria and product availability are subject to change and individual circumstances.

19/03/2026

Eid Mubarak to everyone! 🌙✨
Wishing peace, happiness, and endless blessings to you and your loved ones.
From all of us at Mortgage Circle Team 🤍 – celebrating togetherness and joy this Eid!

16/03/2026

🌟 A Big Thank You to Paul Maycock and Michael Graham from Handelsbanken! 🤝🏡

We had the pleasure of welcoming Paul and Michael, Business Development Managers at Handelsbanken UK, to our Mortgage Circle office. It’s always great to connect and learn more about their relationship‑led approach to mortgages, where every client is assessed individually and flexibly.

🔑 Handelsbanken – Key Residential Mortgage Highlights
• Manual Underwriting: All cases are carefully assessed by local decision‑makers.
• Age: Applicants must be 18 or over.
• Income: No formal minimum — your circumstances are considered as a whole.
• Loan‑to‑Value: Up to 75% LTV on Standard Matrix, up to 85% LTV on Standard Plus Matrix.
• Mortgage Terms: From 1 year up to 35 years or up to age 80, depending on repayment.
• Property Locations: Lending in England, Wales, and Scotland.

💼 Products Include:
• Fixed‑rate mortgages with overpayment options
• Tracker mortgages linked to Bank of England or Handelsbanken rates
• Offset mortgages for flexible interest management
• Residential development loans
• Foreign currency mortgages for UK residents

Handelsbanken’s approach focuses on understanding each client’s goals to find solutions that traditional lenders may not offer.

📞 For tailored mortgage advice, get in touch:
Call: 0121 572 0675 / 0800 644 0190
Visit: www.mortgagecircle.co.uk

⚠ Important: Your home may be repossessed if you do not keep up repayments on your mortgage.
ℹ This post is for information only and is not financial advice.

10/03/2026

🌟 Thank You to Paul Drink Water from Pepper Money! 🤝🏡

We were delighted to host Paul Drink Water, Business Development Manager at Pepper Money, at our Mortgage Circle office. We always appreciate learning more about Pepper Money’s flexible mortgage solutions and how they support clients with a more human underwriting approach.

🔑 Pepper Money – Latest Criteria Highlights

Residential Mortgages:
• Applicant age: Minimum 21; maximum 80 at end of term.
• Maximum loan: Up to £1 million at up to 75% LTV; up to £750,000 at up to 90% LTV.
• Minimum loan: £25,001.
• Term: Minimum 5 years + 1 month up to 40 years.
• Income: Minimum earned income of £18,000 per application.
• Adverse: Defaults/CCJs can be considered if older than 6 months; bankruptcy accepted when discharged 3–6 years ago depending on product.
• Residency: 3 years UK residential history; certain visas accepted with conditions.

Buy‑to‑Let (BTL) & Limited Company BTL:
• Applicant age: Minimum 21; maximum 85 at end of term.
• Loan sizes & LTVs:
– £25,001 min loan.
– Up to £2 million max loan.
– Up to 80% LTV on properties with EPC A‑C; up to 75% LTV on EPC D; up to 70% LTV on EPC E.
• HMO: Maximum of 6 bedrooms and 2 kitchens accepted (subject to criteria).
• Rental income assessment: Based on rental income received (no minimum personal income required in many cases).
• Portfolio limits: Aggregated exposure up to £4 million with Pepper across all loans.
• EPC: A‑E properties acceptable with LTV restrictions.

Pepper Money has also expanded its HMO criteria and reduced rates on key Buy‑to‑Let products this year, reinforcing its proposition for landlords.

📞 For tailored mortgage advice, contact us:
📍 Call: 0121 572 0675 / 0800 644 0190
🌍 Visit: www.mortgagecircle.co.uk

⚠ Important: Your home may be repossessed if you do not keep up repayments on your mortgage.
ℹ This post is for informational purposes only and does not constitute financial advice. Please seek advice tailored to your circumstances.

Mortgage Circle

18/05/2026

27/04/2026

22/04/2026

13/04/2026

08/04/2026

31/03/2026

24/03/2026

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16/03/2026

10/03/2026

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Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm