Sunday 1 December

The Paradigm Elves aren’t here at the weekend but their tip for the weekend is to take a look at our Mortgage Helpdesk support page, where you will find:

• More about our Helpdesk team and the ways which they can support you
• The latest editions of Criteria Corner, our monthly hints and tips newsletter
• Our Lender Product withdrawal schedule displaying how much notice you can expect for product withdrawals from over 50 Lenders on our panel
• Our Joint borrower Sole proprietor mortgage products support spreadsheet
• A Product Transfer support schedule to support you and your clients when looking at the Product Transfer market
• Information around Green Mortgages

Monday 2 December

Which Lenders offer offset mortgages?

Accord, Barclays, Clydesdale Bank, Coventry BS, Family BS and Melton BS all offer these.

In addition, while not officially branded as offset, Molo Finance allow landlords to reduce their interest payments on their buy to let mortgages using their Savings Booster.
 

Tuesday 3 December

Which Lenders will allow the applicant to use their excess personal income towards the rental calculation for a buy to let mortgage (top-slicing)?

Accord, Aldermore, Bank of Ireland, BM Solutions, Cambridge BS, Gatehouse Bank, Hampshire Trust Bank, Harpenden BS, Hinckley & Rugby BS, Kensington, Leek BS, Mansfield BS, Market Harborough BS, Metro Bank, MFS, Newbury BS, Precise, Saffron BS, Skipton BS, Virgin Money and Zephyr Homeloans.

In addition, the following Lenders allow lending based purely on affordability, similar to a residential mortgage:
Barclays, Clydesdale Bank, Co-operative Bank for Intermediaries, Dudley BS and Vernon BS.
 

Wednesday 4 December

Which Lenders would allow a foreign national residing overseas to purchase a buy to let property in the UK?

Castle Trust Bank, Gatehouse Bank, Hampshire Trust Bank, HSBC UK, Market Harborough BS, MFS, Quantum Mortgages, TAB and West One*. 

*SPV only
 

Thursday 5 December

For a Joint Borrower Sole Proprietor (JBSP) mortgage, which Lenders would allow the assisting borrower to occupy the property?

Accord, Barclays, Chorley BS, Dudley BS, Hinckley & Rugby BS, Metro Bank, Newbury BS, Skipton BS, and Suffolk BS.
 

Friday 6 December

For a residential mortgage, which Lenders would lend over 75% LTV for a foreign national without permanent rights to reside?

80-85% LTV: Beverley BS, Buckinghamshire BS, Cambridge BS, Darlington BS, Foundation Home Loans, Gatehouse Bank, Hodge, HSBC UK, Mansfield BS, Suffolk BS and Tipton & Coseley BS.

90-95% LTV: Barclays, Chorley BS, Gen H, Halifax, Hinckley & Rugby BS, Metro Bank, Mpowered, NatWest, Nottingham BS, Perenna, Principality BS, Skipton BS, West One.

Please note, foreign national policies and LTVs are commonly dictated by varying criteria such as address history, visa expiry dates and minimum incomes. For further assistance, please contact the Mortgage Helpdesk!
 

Saturday 7 December

The Paradigm Elves aren't here at the weekend but their tip for the weekend is a reminder of all the different ways that Paradigm can help and support you:

• Unique, transparent profit share scheme giving ALL firms a 50% share of overrides received
• Market-leading procuration fees
• 24 hour proc fee payment promise, and access to our Proc Fee portal
• Most comprehensive DA protection & GI proposition, including Individual, Group, GI and PMI – with no loaded premiums
• Mortgage & Protection placement helpdesks, which includes our unique Building Society mailbox and supports the placing of complex cases for mortgages and protection.
• Ongoing training and support including access to Mortgage CPD events
• Bespoke compliance packages tailored to firms’ needs including consultancy support covering audits, file reviews, training support. We also offer up to 6 months of genuinely free compliance support.

Sunday 8 December

The Paradigm Elves aren't here at the weekend but their tip for the weekend is a reminder of all the different ways that Paradigm can help and support you:

• Unique, transparent profit share scheme giving ALL firms a 50% share of overrides received
• Market-leading procuration fees
• 24 hour proc fee payment promise, and access to our Proc Fee portal
• Most comprehensive DA protection & GI proposition, including Individual, Group, GI and PMI – with no loaded premiums
• Mortgage & Protection placement helpdesks, which includes our unique Building Society mailbox and supports the placing of complex cases for mortgages and protection.
• Ongoing training and support including access to Mortgage CPD events
• Bespoke compliance packages tailored to firms’ needs including consultancy support covering audits, file reviews, training support. We also offer up to 6 months of genuinely free compliance support.

Monday 9 December

Which Lenders will consider lending to a first time landlord purchasing a HMO property?

Castle Trust Bank, Foundation Home Loans, Hampshire Trust Bank, Kent Reliance, Keystone, Landbay, MFS,  Vida Homeloans and West One.

Castle Trust Bank and MFS would even consider a first time buyer!

Don’t miss our exclusive Buy to Let webinar, open to advisers and clients (landlords and prospective landlords) which is taking place on 21^st January 2025. Click here to find out more and register.
 

Tuesday 10 December

Which Lenders will allow the use of a Limited Company’s net profits, pre-corporation tax, towards affordability?

Clydesdale Bank, Furness BS, Metro Bank, Newcastle BS and The Mortgage Lender.
 

Wednesday 11 December

Which Lenders would allow an expat to purchase a holiday let property?

Buckinghamshire BS, Cambridge BS, Castle Trust Bank, Darlington BS, Dudley BS, Family BS, Foundation Home Loans, Keystone, Mansfield BS, Market Harborough BS, MFS, Molo Finance, Quantum Mortgages, Suffolk BS, The Stafford BS, TAB and West One.
 

Thursday 12 December

Which Lenders would consider an applicant with an active Debt Management Plan?

Aldermore, Bluestone Mortgages, Buckinghamshire BS, Cambridge BS*, Chorley BS, Foundation Home Loans, Kensington, Kent Reliance, Leeds BS, Lendinvest, Mansfield BS, Melton BS, Pepper Money, Precise, The Loughborough BS, The Mortgage Lender, Vida Homeloans and West One*

 *Must be satisfied upon completion (proceeds from the loan can be used to discharge the DMP.
 

Friday 13 December

Which Lenders would allow a landlord to let the property to a local authority for subletting?

Aldermore, CHL Mortgages, Fleet Mortgages, Godiva Mortgages, Hampshire Trust Bank, Landbay, MFS, Paragon, Quantum Mortgages, The Mortgage Lender, United Trust Bank, and West One.

 

Saturday 14 December

The Paradigm Elves aren’t here at the weekend but their tip for the weekend is to take a look at our calendar of events for 2025!

We’ve released plenty of dates where you can get your CPD secured for 2025. Across a range of face to face events and webinars, we’ll be covering mortgages, protection, compliance and regulation and discussing industry hot topics, as well as valuable updates from both Paradigm and selected Strategic Partners. Each event has been carefully planned and organised to deliver maximum value in a concise and efficient manner, taking into account the feedback our attendees give us.

Take a look at our full schedule of events here, register for your place and share with your colleagues who may be interested too.

Sunday 15 December

The Paradigm Elves aren’t here at the weekend but their tip for the weekend is to take a look at our calendar of events for 2025!

We’ve released plenty of dates where you can get your CPD secured for 2025. Across a range of face to face events and webinars, we’ll be covering mortgages, protection, compliance and regulation and discussing industry hot topics, as well as valuable updates from both Paradigm and selected Strategic Partners. Each event has been carefully planned and organised to deliver maximum value in a concise and efficient manner, taking into account the feedback our attendees give us.

Take a look at our full schedule of events here, register for your place and share with your colleagues who may be interested too.

Monday 16 December

Which Lenders would consider using earned income up to the age of 75, without proof of pension?

Aldermore, Barclays, Bluestone Mortgages, Buckinghamshire BS, Cambridge BS, Chorley BS, Clydesdale Bank, Co-operative Bank for Intermediaries, Darlington BS, Dudley BS, Earl Shilton BS, Foundation Home Loans, Gatehouse Bank, Gen H, Halifax, Harpenden BS, Hinckley & Rugby BS, Hodge , Kensington, Leeds BS, LiveMore, Market Harborough BS, Marsden BS, Melton BS, Metro Bank, NatWest, Nottingham BS, Pepper Money, Saffron BS, Santander, Suffolk BS, The Stafford BS and Tipton & Coseley BS.
 

Tuesday 17 December

Which Lenders may be able to consider an application that has multiple unsatisfied defaults registered within the last 2 years?

Aldermore, Bluestone Mortgages, Kent Reliance, Mansfield BS, Pepper Money, Precise, The Mortgage Lender, United Trust Bank, Vida Homeloans and West One.
 

Wednesday 18 December

Which Lenders would allow an intercompany loan as a source of deposit for a limited company buy to let, where the shareholding and directorship do not mirror each other?

Aldermore, Landbay, MFS, Newbury BS and Paragon.
 

Thursday 19 December

Who would allow an annexe on the property to be let on a short term/holiday let basis?

Bath BS, Beverley BS, Buckinghamshire BS, Dudley BS, Harpenden BS, Hinckley & Rugby BS, Mansfield BS, Market Harborough BS, Melton BS, Nationwide, Newbury BS, Penrith BS, Suffolk BS and The Stafford BS.
 

Friday 20 December

When starting within 3 months, which Lenders would utilise a future contract of employment without requiring the first payslip?

Accord, Bank of Ireland, Co-operative Bank for Intermediaries, Halifax, HSBC UK, Nationwide, and TSB.
 

Saturday 21 December

The Paradigm Elves aren't here at the weekend but their tip for the weekend is to sign up to Paradigm's CPD Academy to access CPD content and easily record your CPD hours. Our FREE Academy also allows advisers to access a wide range of Mortgage, Protection, General Insurance, Pensions, Financial Planning and lots more CPD activities. You can also use the tool to record the activity you have completed so you can access a running total of your CPD hours throughout the year.

We now have over 3,600 individuals registered for the Academy and over 77,000 hours of CPD have been recorded – a 40% increase in hours logged in the past year! So what are you waiting for?!

Find out more and sign up for free here.