Brewed for stronger affordability.
New 40-year term
For customers wanting to lower monthly payments. Offering increased borrowing headroom and more flexibility with the option to spread out repayments over a longer period. Ideal for those with dependants, recent credit events or variable income.
Scenario
On a 35-year term, their monthly payment would be roughly £1,668.
On a 40-year term, that monthly payment drops to around £1,584.
That’s a reduction of £1,008 annually, or £84 per month – often enough to meaningfully improve affordability assessments.
High LTV for more customers with adverse
For customers with a less-than-perfect credit file. Our 97% max LTV (including fees, 95% LTV excluding fees) helps buyers move forward even if they have heavier adverse history (subject to credit score). It also provides more opportunity to place cases that might otherwise be declined.
Available to those with:
Defaults: Up to 2 in 24 months (max £1,500 in the last 12 months).
CCJs: Up to 1 in 24 months (max £1,000 in 12 months or £2,500 in 24 months).
Mortgage arrears: 1 in 12 months or 3 in 36 months (worst status).
DMPs: Satisfied >36 months.
Scenario
A customer with a missed mortgage payment or recent default could purchase a £250,000 property with a deposit of just £12,500.
plus, New Build LTV extended to 90%
For customers navigating affordability challenges. Giving more first-time buyers and home movers the chance to secure a modern, warranty-backed, energy-efficient property with a smaller deposit.
Scenario
A first-time buyer purchasing a £300,000 new build previously needed a 15% deposit (£45,000) under typical LTV caps. With our new 90% LTV option, that deposit drops to just £30,000 – £15,000 less upfront.
up to 6x income
Because standard multiples can cap good customers below the price of an average home. We're helping single applicants borrow more, with less deposit, and move forward sooner.
Scenario
A single applicant earns £38,000 p.a. and has rebuilt their finances after a breakup. They have two years’ self-employed accounts, savings in place, and a home picked out. But a single default from 14 months ago means many lenders say no, or cap what they can borrow.
With a 6x income multiple, they could borrow up to £228,000. And with 95% LTV, they’d only need a 5% deposit, helping to buy now, not years later.
Blended With
- NEW rates – up to 0.30% reduction across our range.
- NEW 1-year fixed rates.
- Up to 90% LTV on new build.
- 95% LTV products extended to more customers with adverse.
- £0, 1% and £995 fee options available.
In addition to
the favourites you already rely on
- 1 year’s trading figures accepted.
- Lower stress tests on 1 and 2-year products.
- Max loans up to £5m.
- 90% LTV debt consolidation.
served JUST right
Our clear-cut criteria and reliable lending options continue our mission to make home ownership more accessible to more people, while empowering brokers with a consistent and dependable service.
Now that’s grounds for celebration.
INTERMEDIARIES ONLY
Precise Mortgages is a trading name of Charter Court Financial Services Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register Firm Reference Number 494549). Registered in England and Wales with company number 06749498. Registered office: 2 Charter Court, Broadlands, Wolverhampton WV10 6TD. Copyright © Precise Mortgages 2025