Available via TFC and not direct to lender.

The Sapphire Club on Bluestone Residential and Buy to Let ranges plus a great Help to Buy product

SAPPHIRE CLUB 

• Bankruptcy and IVA's available

RESIDENTIAL HIGHLIGHTS

• Up to 75% LTV
• CCJ’s / Defaults ignored if > 36 months
• All telecom CCJ/Defaults ignored
• All CCJ's/Defaults below £300 ignored
• Debt Management Plans accepted/ Debt Arrangement Schemes - Can remain on completion ‘No Minimum Term’
• IVA/Bankruptcy/Sequestration/DRO/Trust Deed
• No credit scoring
• Loan to Income ratio capped at 4.5x for all residential loans

BUY TO LET HIGHLIGHTS

• Up to 75% LTV
• Interest Only available on Clear & AAA
• Rental Cover calculations with option to top up with personal income on Clear & AAA
• First time landlords accepted (must have previously purchased a residential property)
• No credit scoring

HELP TO BUY New Builds (only available on HTB)

• 75% LTV on new build houses & flats
• Builder incentives of up to 5% of the purchase price accepted (not inc builders deposit)
• Incentives include white goods, carpets, small cashback, legal fees and contribution towards stamp duty