United Trust Bank

Specific Criteria for Professional Contractors

UTB introduce specific Contractor criteria, aimed at professional people who work on 6m, 12m or 18m Contracts typically in sectors such as IT, Medical or other consultancy roles.

This is for residential mortgages and second charges

Limited Edition Near Prime Second Charge Product

For Second Charge, 1 and 2 status products, they will now ignore the payment profile on all unsecured credit items entirely, providing they are being consolidated with the loan, a reasonable explanation is received during the underwriting process, and there is no recent pay day loans.