It’s not always straightforward. And if it was, well maybe your clients wouldn’t be asking for your help in the first place.
We’re talking about clients who are in a situation that’s a little more complicated. For example, their income is irregular, they are stuck in the rental trap with little or no deposit, or they’ve experienced a sudden change in circumstances. You want to help them. You need a lender willing to help them. Only the provider’s lending criteria is too rigid – and it’s not easy to find someone who’ll talk it through.
At Skipton Building Society for Intermediaries, we recognise this is a common frustration of the intermediary industry. After all, the clients you’re dealing with are human beings with unique situations. Not every set of circumstances are black and white. That’s why you need lenders readily available to talk through the grey areas of a client’s case with you.
That way, you could have more options to present them other than a hard no.
Skip to a common-sense approach to lending
We recognise the pressure that brokers like you face, and that’s why we make ourselves available for a conversation. Our BDMs have direct access to underwriters to discuss cases and will work with you to understand your client’s unique situation. Then together, we can explore the possible options.
What this means is you can get expert support with those complex cases.
Those solutions might involve one of our innovative products. We’re always aiming to move with the times. Developing flexible options to suit the evolving challenges of the housing market. This includes:
- Our Income Booster, also known as Joint Borrower Sole Proprietor (JBSP), allows your client to add up to three extra people onto a mortgage, without making them a legal owner of the property. This could allow your client to borrow more than if they took out a mortgage on their own. We factor in all the incomes during the application. This means your clients could borrow more than if they take out a mortgage on their own.
- Our Track Record mortgage means a client who has a track record of paying rent with little to no deposit could get on the property ladder.
- Our Delayed Start mortgage, with no repayments due for the first three months, it could give your clients financial breathing space to help them get settled.
Subject to eligibility and lending criteria. Only available in Great Britain.
Our diverse range of mortgage products allow us to offer you a more flexible approach to lending. And with it, help even more of your clients.
Skip to a lender that listens
The next time you have a complex case, pick up the phone and let’s chat. The advantage of talking to our BDMs first is to work through potential options and see if we can help your client.
It doesn’t stop there either. As the case progresses you can benefit from ongoing expert support from BDMs. We also offer a webchat service that’s answered by colleagues – not a chatbot – and is available 6 days a week.
We’re pleased that 92% of brokers say they are satisfied with their experience of approaching us with an enquiry, according to Pegasus Insight & Finelight Research for quarter one 2025.
So skip the frustration of rigid lending criteria. And start a conversation with a lender who listens.
