Welcome to Suffolk.

We’re here to help you and your clients – read on to find out how! Or, if you’re ready for more detailed information, simply search our lending criteria, find a product or use our calculators.

General lending.

  • Manual underwriting: option to gain pre-DIP agreement.
  • Income: multiple sources used for affordability, including pension, rental, investment. 5.5x income multiple when an applicant earns £100k+.
  • Overpayments: 50% ERC free on all products.
  • Property: we’ll consider annexes, flats above good quality commercial
  • We credit check, not credit score.

Older borrowers.

  • Available on our standard range of products, up to a 40-year term with no maximum age.
  • Interest only: sale and downsize up to 50% LTV (min equity £200,000). Other interest only options available, depending on your repayment vehicles.
  • We’ll lend to 80% LTV for applicants borrowing into retirement, or 70% LTV if already in retirement (50% if there’s any interest only).
  • We utilise pension assets as income, even if not currently being drawn – will use 80% of pension pot and divide by mortgage term.

More about later life >

Buy to let.

  • BTL accepted up to 80% LTV.
  • Can consider non-owner occupiers.
  • We lend on regulated BTLs where family members are residing.
  • No maximum age.
  • First time buyer BTL accepted.

Holiday let.

  • We offer up to 60 days of personal use.
  • Will consider first time landlords (must be owner occupiers).
  • Loans available up to 80% LTV.
  • We assess the loan amount using the average rental from high, mid and low season.
  • First time rental properties considered (no requirement to be currently let out).
  • No maximum age.

More about holiday let >

Self build & renovation.

  • For new projects, conversions, renovations and knock down & rebuilds. Includes properties where the build has started.
  • Max 80% LTV for both purchase and remortgage, plus we will lend against the land value.
  • Flexible stage releases.
  • Upon build completion your client can switch penalty free to a retention product.
  • Interest only available during the build.
  • Available directly to brokers – call us to discuss your case.

More about self build >


  • For residential, buy to let and holiday let properties, with most countries of residence considered (except UN Sanctioned).
  • For joint applications we can consider when only one applicant holds a British Passport (subject to British national meeting criteria and affordability requirements)
  • Deposits built up in the country of residence accepted.
  • BTL – most currencies accepted.
  • Residential & regulated BTL– 11 currencies accepted.
  • Up to 80% LTV with fixed completion fees (subject to availability).

More about expat >

New build.

  • We can consider new build houses up to 95% LTV (subject to product availability), for flats up to 75% LTV in selected areas.
  • We accept up to 5% builder’s incentive (minimum applicant contribution of 5%).
  • Mortgage offers valid up to 6 months, 3-month extension available.
  • Completion and CHAPs fees can be added at 90% LTV subject to affordability.

Shared ownership.

  • Loans up to 95% of the share
  • Max £500k for purchase and remortgage.
  • Also available on new build flats in blocks up to 10 storeys and can consider flats above good quality commercial.
  • No completion or valuation fees apply (subject to availability).

Video guides.

Self build & renovation

with Andrew Sadler


with Ian Stockley

Holiday let

with Carly Scanlon

Later life

with Carly Scanlon

Property types

with Ian Stockley

Andrew Sadler

Key Account Manager

Andrew Sadler

Key Account Manager

Andrew has been with the Society since April 2015, and in the industry for over 20 years beforehand. There are few cases which Andrew hasn’t seen before and he loves being out and about visiting brokers, but most of all to help place a case where other lenders may say no. Andrew happily admits he is a geek at heart and is a keen Star Wars fan, with the 1977 original film the second film he ever saw in a cinema.

Andrew manages relationships with networks and clubs plus covers intermediaries based in the postcodes: EC, WC, E & ‘the London 1’s’ (N1, W1, SE1, SW1, NW1).

Call Andrew on 07715 764131 or email [email protected]

Ian Stockley

Business Development Manager

Ian Stockley

Business Development Manager

We welcomed Ian back to the Society in 2017, following 12 years with us previously. Ian enjoys helping intermediaries to meet their clients’ needs, loves a challenge and enjoys that every day, and every enquiry, is different. Hailing from the West Country, Ian is a fan of Bath City FC and visits many football grounds around East Anglia as he follows The Romans. Ian is a keen sportsman himself and, when not at work or watching a match, he can usually be found pounding the pavements or in the gym.

Ian covers intermediaries based in the postcodes: IP, NR, CM, CO, SS, ME, CB, SG, AL, HP, PE, IG, RM.

Call Ian on 07497 277812 or email [email protected]

Carly Scanlon

Business Development Manager

Carly Scanlon

Business Development Manager

Carly joined the team in October 2018, having been in the property industry since 2010. She was previously a broker assistant for a financial adviser, so certainly knows her stuff and understands the other side of the lender/broker relationship. Carly is always wanting to help and tries her best to get the results that her brokers desire. She loves going out for dinner and drinks with friends and family as well as a quiet night in.

Carly covers intermediaries based in the following postcodes: BB / BD / BL / CA / CH / CW / FY / HD / HX / LA / L / M / OL / PR / SK / WA / WN.

Call Carly on 07432 141106 or email [email protected]

Here to help

We have conversations, not algorithms.

Got a question or need to contact us? We’d love to hear from you. Get in touch with our friendly and knowledgeable team.

Prefer to talk?
Call 0330 123 1073

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