From first-time buyers with low deposits, to the self-employed or those looking to remortgage, our new, bigger and better residential range makes owning a home even more affordable. Here’s how.
Key features:
- Up to 95% LTV on purchase and remortgage
- Rates from 4.89%
- Loans up to £5m
- Stress rate reduced to 1.25% on 2-year and 3-year fixed
- Adverse accepted
- Range of fee options, which can be added to the loan
- Debt consolidation up to 90% LTV
First-time buyers
First-time buyer with a low deposit?
Doesn’t have extra funds for fees?
Wants to use a gifted/builder’s deposit?
Worried adverse credit may hold them back?
- Up to 95% LTV for those with smaller deposits
- Fees can be added to the loan to keep upfront costs low
- Family gifted deposits and builder's cash incentives accepted
- All CCJs/defaults registered over 24 months not counted – regardless of amounts
- We don’t count unsecured arrears
- We don’t insist on outstanding CCJs/defaults being repaid
Self-employed customers
Newly self-employed?
Struggling to evidence income?
Recently changed industry sector?
Has some adverse credit as well?
- 1 year’s trading – no previous history required
- Latest HMRC tax calculation plus tax year overview accepted
- Changes in trading style during the last 12 months accepted
- All CCJs/defaults registered over 24 months not counted – regardless of amounts
- We don’t count unsecured arrears
- We don’t insist on outstanding CCJs/defaults being repaid
Remortgages
Customer looking to capital raise and remortgage at the same time?
Need to consolidate debts?
Worried about extra fees/costs of remortgaging?
Remortgaging with adverse credit?
- Capital raise up to 95% LTV
- Debt consolidation up to 90% LTV
- Fees can be added to the loan
- All CCJs/defaults registered over 24 months not counted – regardless of amounts
- We don’t count unsecured arrears
- We don’t insist on outstanding CCJs/defaults being repaid
Debt consolidation
Customer needs to reduce/simplify monthly payments?
Looking to remortgage and consolidate at the same time?
Also has adverse credit along with debt?
- Can refinance debt into the mortgage so there's only one payment to manage
- We accept capital raising for debt consolidation up to 90% LTV
- All CCJs/defaults registered over 24 months not counted – regardless of amounts
- We don’t count unsecured arrears
- We don’t insist on outstanding CCJs/defaults being repaid
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.