Who we are
Paragon is a FTSE-250 company, with over 35 years industry knowledge, and specialising in complex buy-to-let mortgages. Awarded Best Professional Buy-to-let Mortgage Lender by Your Mortgage Awards for the tenth time, we pride ourselves on our experience and expertise. We achieved Platinum accreditation by Investors in People, the highest possible rating held by only 5% of those UK companies reviewed.
What we do
We are a specialist lender and savings bank, providing funding for SME’s and specialising in buy-to-let financing for portfolio and non-portfolio landlords and limited companies.
Why choose us?
As one of the first lenders to pioneer buy-to-let lending, we have supported over 50,000 landlords in the Private Rented Sector to date, helping them grow their portfolios. We’ve done this by designing products with landlords in mind, providing competitive rates and premium service. Currently, we offer:
- Free valuations - No matter the value or property type! This is true across all our buy-to-let products, even on Houses in Multiple Occupation (HMOs) with up to 20 sharers.
- Forward funding facility - A unique offering to Paragon, supporting portfolio landlords in growing their portfolios by offering pre-agreed mortgage spending limits.
- Pre-referrals on properties with our amazing team of Paragon in-house surveyors - Offering a flexible approach to out of the box cases. Our in-house surveyors are experts in SIVs, and we offer free pre-application property checks.
- A great range of product switches and further advances for both individuals and limited companies - Avoiding re-financing fees at the end of fixed-rate products. As well as this, we offer a Track to Fix feature, which mitigates any Early Redemption Charges ERCs when switching to an available product.
- Incorporation during a fixed rate - We accept first-time landlords and day one limited company landlords, allowing for a more streamlined, cost-effective experience. As well as being able to make an application for a switch up to six months before maturity, all of our discounted products benefit from our Track to Fix feature!
Working with us
We know that every application is different, but we believe that following these four steps, and working closely with us, can significantly reduce the time from application to offer.As well as making landlords lives easier, we are committed to continually improving the intermediary experience, and regularly reviewing and enhancing our services.
We created the intermediary portal with real time alerts and case tracking, product search, mortgage illustration functionality and document management, all with our intermediaries needs in mind. You can log in and apply for any of our buy-to-let products in one place, using a single sign on. The authorised users function allows you to share one or all of your cases with other intermediaries and your admin team for a more streamlined process.
If you’re not already registered to use our portal, you can do so here.
Our commitment to sustainability
Committed to raising standards in the Private Rented Sector (PRS), Paragon is committed to achieving net zero by 2050, with green mortgage incentives supporting landlords applying for funding on properties with an EPC rated A-C. We are also actively working towards retrofit options to support customers whose property EPC rating is below a C, in order to help them upgrade their properties and EPC ratings
Proc Fees
| Product | Gross | Net | Gross Min | |
|---|---|---|---|---|
| All products | 0.55% | 0.50% | £300 | |
| Minimum gross fee is £300, with a minimum net fee £270 | ||||
| Further Advances | 0.55% | 0.50% | ||
| Product Transfers | 0.40% | 0.37% | ||
| Short term finance | 0.75% | 0.70% | £300 | |
- 03458 494040
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Links
Email usIntermediary portal
Portfolio Guide
Portfolio Calculator
Non-portfolio Guide
Non-portfolio Calculator
Switch and further advances
Lending criteria
Documents
FAQs
Mortgage Blogs
How to Register
Registering for the first time:
Please click here to register. Make sure that you specify Paradigm as your payment route in "further details that may assist your registration"Add Paradigm as payment route:
If you are already registered with Paragon and wish to switch your payment route to Paradigm, please email [email protected],
copying in Sally Wright ([email protected]) when requesting the change.
THIS SITE IS FOR PROFESSIONAL INTERMEDIARY USE ONLY AND NOT FOR USE BY THE GENERAL PUBLIC.
Useful Links
Paradigm Mortgage Services LLP
Office address: 1310 Solihull Parkway, Birmingham Business Park, Birmingham B37 7YB
Registered in England and Wales. Company No: OC323403. Registered Office: Paradigm House, Brooke Court, Lower Meadow Road, Wilmslow, SK9 3ND
Paradigm Mortgage Services LLP is a Limited Liability Partnership.