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United Trust Bank

Introduction

United Trust Bank are a Specialist Mortgage division offering 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.

Their 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.

UTB’s 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. Their 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

Useful links

Website
Product Guide

Registration Process

To register with United Trust Bank you will need to fill out their registration form here.

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.

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

Contact details

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

Get in touch with us today.

Need criteria support? Contact the experts on our Broker Support Team.