Latest News

11/12/2017 - AToM Onsite Lenders

Did you know..?

...as part of the great service we provide to you and your customers we have access to various onsite lenders each week to help with your cases?

Onsite this week, we have: 

Monday 11th December

Bluestone - Reece

Tuesday 12th December

Kent Reliance - Tim
Harpenden - Graeme
Shawbrook - Steve

Wednesday 13th December

Masthaven - Roz
Kensington - Alex
Axis Bank - Steve

Thursday 14th December

Kent Reliance - Tim
Family BS - Sharon
Magellan - Jacqui

Friday 15th December

InterBay - Michael

Please call our sales team to find out more or to discuss an enquiry with our onsite lenders!

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07/12/2017 - Precise Mortgages Income Supported BTL Mortgages

We are delighted to announce Precise Mortgages new Income Supported BTL Mortgage range is now available.

This range is ideal for your landlords with up to 3 mortgaged BTL properties as they will now be able to use their rental income to cover a rental shortfall. 

Highlights include:

-  Rates from 3.19%
-  Up to 80% LTV
-  110% Minimum rental calculation at payrate (income assisted on shortfall)
-  Available in England, Scotland and Wales
-  Individual BTL landlords only (not in Ltd Co name)
-  Available for current homeowners
-  Interest only
-  Maximum 3 mortgage properties (non portfolio landlord)

Please call our sales team to find out more today!

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06/12/2017 - Precise Mortgages HMO Distributor of The Year 2017

We are delighted to announce we have been awarded HMO Distributor of the Year 2017 by Precise Mortgages!

At an awards ceremony held at the fantastic Weston Park Stately Home in the Midlands, AToM was confirmed as the best HMO Distributor in 2017 from specialist lender Precise Mortgages.

MD, Dale Jannels commented "This was a great surprise. Thank you to all of our broker partners and their continued support throughout the year. This is also superb recognition for the hard working and highly knowledgeable staff we have at AToM and specifically those who specialist in the Buy to Let sector. Well done team!".

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04/12/2017 - AToM Onsite Lenders

Did you know..?

...as part of the great service we provide to you and your customers we have access to various onsite lenders each week to help with your cases?

Onsite this week, we have: 

Monday 4th December

TML - Laura
Foundation - Annette
Together - Lorenzo

Tuesday 5th December

Kent Reliance - Tim
Landbay - Joella

Wednesday 6th December

Kensington - Alex

Thursday 7th December

Kent Reliance - Tim
Family BS - Sharon
Precise Mortgages - Gareth

Please call our sales team to find out more or to discuss an enquiry with our onsite lenders!

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30/11/2017 - Precise Mortgages Limited Edition BTLs

We are delighted to announce Precise Mortgages new Limited Edition 5 Year Fixed BTL product. 

This product comes with a rate of 3.19% which calculates on payrate for loans of 300K and above. 

Please note the rate is only secured when you submit the application in full with fees paid.

Highlights include:

- 3.19% calculated at payrate
- Fees can be added over and above the LTV even at 75%
- Available to Ltd Companies and Individual BTLs
- No owner occupiers accepted
- Max age 80 at application - 35 year terms available
- Bank statements not required
- 12 months self employed accepted
- Maximum loan 3m

Please call our sales team today for more information regarding these great new products!

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29/11/2017 - Precise Mortgages BTL Product Withdrawal

Please note Precise Mortgages Limited Edition 5 Year Fixed BTL product will be withdrawn from 8pm tonight.

Please submit any cases in full by 3pm TODAY with fees paid to qualify for this product!

This range comes with a rate of 3.09% which calculates on payrate for loans of 300k and above.

Highlights include:

  • 3.09% calculated at payrate
  • Fee can be added over and above the LTV even at 75%
  • Available to Ltd Companies and Individual BTLs
  • No owner occupiers accepted
  • Max age 80 at application - 35 year terms available
  • Bank statements not required
  • 12 months self employed accepted
  • Maximum loan 3m
Please call our sales team to find out more today!

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28/11/2017 - Harpenden Limited Edition Autumn Promotion

Harpenden will soon be closing their Limited Edition Autumn Promotion range from the 30th November!

There is still time to submit your applications and to be considered on the current rates before their promotion closes this week.

Product Highlights:

-  Repayment Rates from from 1.29%
-  Interest Only Rates from 2.29%
-  Available on Residential, Guarantor, Later Life Lending, Self-Employed, Contractors and Professional Mortgages
-  No ERCs on all products

Call our sales team today and they will be happy to help with these great products!

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27/11/2017 - AToM Onsite Lenders

Did you know..?

...as part of the great service we provide to you and your customers we have access to various onsite lenders each week to help with your cases?

Onsite this week, we have: 

Monday 27th November

Bluestone - Reece

Tuesday 28th November

Kent Reliance - Tim
Shawbrook - Steve

Wednesday 29th November

Precise Mortgages - Liza
Kensington - Alex
Axis Bank - Steve

Thursday 30th November

Kent Reliance - Tim
Family BS - Sharon
Magellan - Jacqui

Please call our sales team to find out more or to discuss an enquiry with our onsite lenders!

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17/11/2017 - Precise Mortgages Limited Edition BTLs

We are delighted to announce Precise Mortgages new Limited Edition 5 Year Fixed BTL product. 

This product comes with a rate of 3.09% which calculates on payrate for loans of 300K and above. 

Please note the rate is only secured when you submit the application in full with fees paid.

Highlights include:

- 3.09% calculated at payrate
- Fees can be added over and above the LTV even at 75%
- Available to Ltd Companies and Individual BTLs
- No owner occupiers accepted
- Max age 80 at application - 35 year terms available
- Bank statements not required
- 12 months self employed accepted
- Maximum loan 3m

Please call our sales team today for more information regarding these great new products!

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14/11/2017 - AToM Onsite Lenders

Did you know..?

...as part of the great service we provide to you and your customers we have access to various onsite lenders each week to help with your cases?

Onsite this week, we have: 

Monday 13th November

Bluestone - Reece

Tuesday 14th November

Kent Reliance - Tim
Harpenden - Graeme
Shawbrook - Steve

Wednesday 15th November

Kensington - Alex
Masthaven - Roz

Thursday 16th November

Kent Reliance - Tim
Family BS - Sharon
Magellan - Jacqui

Please call our sales team to find out more or to discuss an enquiry with our onsite lenders!

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09/11/2017 - Tipton Limited Edition Exclusive Product Range

Have you seen our new and exclusive discounted mortgage products with Tipton?

Discounted mortgage rates from 1.04%!

NEW Product Highlights:

-  Rates starting from 1.04%!
-  Up to 75% LTV
-  Free standard valuation on all products
-  Free legals on remortgages
-  Arrangement fee free products available
-  Minimum valuation of 75K
-  Loans up to 450K
-  Available for purchases and remortgages

Please call our sales team to find out more today!

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08/11/2017 - Secure Trust available via AToM

Have you seen we have recently partnered with Secure Trust as one of their specialist distribution partners?

We are delighted to be offering their newly launched 1st Charge Residential Mortgage range.

This exciting lender is one of the UKs best capitalised banks and they have a genuine desire to help your residential customers underserved by the high street.

NEW Lender Highlights include:

-  2 Year fixed rates starting from 2.69%
-  3 Year fixed rates starting from 3.09%
-  5 Year fixed rates starting from 3.39%
-  Up to 85% LTV
-  Free valuation & free standard legals on all Remortgages (up to a property value of 350,000)
-  Fixed 999 product fee on all applications
-  No minimum income required
-  No minimum period of employment considered
-  Applicants in probationary period considered
-  Up to 100% income considered for agency workers (with a good track record)
-  100% Gifted equity considered

Acceptable Credit History:

-  Up to 2 CCJs accepted in 24 months (0 in 12 months)
-  Up to 2 Defaults accepted in 24 months, telecoms & mail order defaults ignored (0 in 12 months)
-  Up to 1 secured arrear accepted in 24 months (0 in 12 months)
-  Up to 2 unsecured arrears accepted in 24 months (1 in 12 months)
-  DMPs (Debt Management Plans) accepted if satisfied over 12 months ago
-  Bankruptcies and IVA accepted if discharged over 36 months ago

Please call our sales team today for more information regarding these great new products!

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07/11/2017 - Over 55s Product Range

Have you seen our Over 55s Product Range with Shawbrook Bank?

We are a limited distribution partner for their 55+ Interest Only mortgage range!

The product offers a new solution to borrowers aged 55 or over nearing the end of their existing interest-only arrangement, with an outstanding balance.

Through this partnership Shawbrook and AToM will be further improving the finance options available to those approaching or past retirement age. 

NEW Product Highlights:

-  Up to 60% LTV
-  Minimum age 55, maximum age 85
-  Rates from 4.75%
-  Min loan size 25k, Max 1m
-  Min income 16,500
-  Min Valuation 185k
-  Employed, Self Emp, Pension Income accepted
-  Available in England, Wales and mainland Scotland
-  0.75% Proc Fee

Please call our sales team today if you have any queries and they will be happy to help!

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03/11/2017 - New InterBay Commercial Expat Product Range

We are delighted to announce that InterBay Commercial have recently launched their new Expat product range!

This exciting new range will cover Commercial, Semi-Commercial, HMO properties and Buy to Let products. 

NEW Product Range includes:

Product highlights:

-  No regional restrictions - properties throughout England and Wales accepted
-  No property restrictions - Commercial, Semi-commercial and HMO properties accepted, in addition to Buy to Let
-  Simple and consistent pricing - 0.25% added to standard BTL and HMO products, with 0.5% added to standard Commercial products
-  Limited Company lending now available
-  Lending to ExPat residents in Australia where the property is held in a UK Limited Company

If you have any enquiries please do not hesitate to call Michael Mann on 01403 272625 (Option 4) and he will be happy to help!

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02/11/2017 - Mortgage Introducer Awards - Please Vote for AToM!

Please vote for us!

Voting closes this Friday (3/11/2017).

Please click here to vote!

We are delighted that AToM have been nominated in a couple of categories at the 2018 Mortgage Introducer Awards.

This prestigious awards ceremony will be held at the Tower of London on the 22nd November acknowledging the success, achievements and hard work we have made over the last year.

After a 10 year absence this really is the jewel in the crown of the UK mortgage industry!

We would be honoured if you would vote for us and this would be really appreciated by everyone at AToM!

We have been nominated in the following categories:

-  Mortgage Introducer of the Year
-  Innovator of the Year

Thank you for your support!

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30/10/2017 - AToM Onsite Lenders

Did you know..?

...as part of the great service we provide to you and your customers we have access to various onsite lenders each week to help with your cases?

Onsite this week, we have:

Monday 30th October

Bluestone - Reece
Together - Lorenzo

Tuesday 31st October

Together - Laleta
Shawbrook - Steve

Wednesday 1st November

Kensington - Alex

Thursday 2nd November

Family BS - Sharon
Magellan - Jacqui

Please call our sales team to find out more or to discuss an enquiry with our onsite lenders!

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27/10/2017 - The Mortgage Lender Premier Exclusive Range

AToM are delighted to annouce that we have partnered with The Mortgage Lender as a member of their Premier Panel. 

As part of TMLs premier panel, we are able to offer Exclusive products from TML not available when going direct. 

The products have a limited tranche of funds so act fast to secure a rate!

Premier Panel Highlights:

- 85% LTV rates reduced by 0.25%
- Standard rates starting from just 2.82%
- 2 year fixed and 5 year fixed rates available
- Available for purchases and remortgages

First Time Buyers

- Up to 85% LTV for First Time Buyers
- Rates starting from just 2.66%
- 2 year tracker, 2 year fixed and 5 year fixed rates available for increased affordability
- Adverse accepted on premier ranges

For more information please call the sales team today regarding these great new exclusives!

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25/10/2017 - Harpenden Limited Edition Autumn Promotion

Harpenden will soon be closing their Limited Edition Autumn Promotion range from the 31st October!

Theres still time to submit you applications and to be considered on the current rates before their promotion closes next week.

Product Highlights:

-  Repayment Rates from from 1.29%
-  Interest Only Rates from 2.29%
-  Available on Residential, Guarantor, Later Life Lending, Self-Employed, Contractors and Professional Mortgages
No ERCs on all products

Call our sales team today and they will be happy to help with these great products!

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23/10/2017 - BlueZest Exclusive Lender Launch

We are delighted to announce we have launched a new 85% LTV BTL product exclusively via new lender BlueZest!

This exclusive product is available to all of our DA and some Network partners and is only the second product at this LTV in the BTL market.

BTL rates start from 3.69% at 60% LTV, with loans available up to 2m, and available up to 500K at 85% LTV with interest rates between 5.25 - 5.35%. The lender will also consider Companies, Individuals and First Time Landlords. The product also has a minimum term of 12 months and no ERCs thereafter.

These products are part of a broader range that allow landlords and developers to do refurbishments, conversions and new builds with funds advanced upfront, secured on non-development property that they already own. These mortgage products are available for periods up to 18 months with competitive rates between 8 and 12%, without the need for bridging finance. 

For more information on this new product range or to discuss an enquiry please call our sales team today!

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17/10/2017 - Secure Trust available via AToM

Have you seen we have recently partnered with Secure Trust as one of their specialist distribution partners?

We are delighted to be offering their newly launched 1st Charge Residential Mortgage range.

This exciting lender is one of the UKs best capitalised banks and they have a genuine desire to help your residential customers underserved by the high street.

NEW Lender Highlights include:

-  2 Year fixed rates starting from 2.69%
-  3 Year fixed rates starting from 3.09%
-  5 Year fixed rates starting from 3.39%
-  Up to 85% LTV
-  Free valuation & free standard legals on all Remortgages (up to a property value of 350,000)
-  Fixed 999 product fee on all applications
-  No minimum income required
-  No minimum period of employment considered
-  Applicants in probationary period considered
-  Up to 100% income considered for agency workers (with a good track record)
-  100% Gifted equity considered

Acceptable Credit History:

-  Up to 2 CCJs accepted in 24 months (0 in 12 months)
-  Up to 2 Defaults accepted in 24 months, telecoms & mail order defaults ignored (0 in 12 months)
-  Up to 1 secured arrear accepted in 24 months (0 in 12 months)
-  Up to 2 unsecured arrears accepted in 24 months (1 in 12 months)
-  DMPs (Debt Management Plans) accepted if satisfied over 12 months ago
-  Bankruptcies and IVA accepted if discharged over 36 months ago

Please call our sales team today for more information regarding these great new products!

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16/10/2017 - AToM Onsite Lenders

Did you know..?

...as part of the great service we provide to you and your customers we have access to various onsite lenders each week to help with your cases?

Onsite this week, we have:

Tuesday 17th October

Kent Reliance - Tim
Precise - Gareth
Shawbrook

Wednesday 18th October

Kensington - Alex

Thursday 19th October

Kent Reliance - Tim
Family BS - Sharon
Magellan - Jacqui

Please call our sales team to find out more or to discuss an enquiry with our onsite lenders!

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10/10/2017 - Harpenden Limited Edition Remortgages

Have you seen our Limited Edition Remortgage range with Harpenden?

Hurry, products being withdrawn 31st October!

Product Highlights:

-  Repayment rates from 1.29% (3 Year Discount) & Interest Only rates from 2.29% (3 Year Discount)
-  Up to 75% LTV
-  Loans up to 3.5m
-  No Early Repayment Charges (ERCs)
-  No upper age limits
-  Clients coming to the end of the mortgage term considered - who wish to remain in their home for additional years
-  Home improvements considered - either the security or another property owned by the borrower
-  Gifted family deposits considered
-  Purchase of properties abroad considered

Please contact our sales team today if you have any enquiry for this product range!

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09/10/2017 - AToM Onsite Lenders

Did you know..?

...as part of the great service we provide to you and your customers we have access to various onsite lenders each week to help with your cases?

Onsite this week, we have:

Monday 9th October

Family BS - Sharon
Together - Lorenzo

Tuesday 10th October

Kent Reliance - Tim
Harpenden - Graeme

Wednesday 11th October

Kensington - Alex

Thursday 12th October

Kent Reliance - Tim

Friday 13th October

Foundation - Annette

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06/10/2017 - Kensington 90% LTV Exclusive

Have you seen our 90% LTV Residential Exclusive with Kensington?

Product Highlights:

-  Up to 90% LTV
-  NEW Rates from 3.54%
-  Limited credit history accepted
-  Underwriter manual assessments
-  Self employed mortgage available
-  100% of bonus income considered
-  Failed credit score mortgages available
-  Available for purchases and remortgages

Acceptable Credit History:

-  Defaults accepted if older than 24 months
-  Satisfied CCJs accepted if older than 24 months
-  Unsatisfied CCJs accepted which are registered over 24 months ago (at the underwriters discretion)
-  Secured loan arrears accepted if older than 24 months
-  Unsecured Credit arrears accepted if accounts now up to date (max status of 2 in last 12 months)
-  All communications defaults ignored
-  2 Year Debt Management Plans (DMP) accepted

Please call our sales team with your residential cases and they will be happy to help!

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03/10/2017 - AToM Onsite Lenders

Did you know..?

...as part of the great service we provide to you and your customers we have access to various onsite lenders each week to help with your cases?

Onsite this week, we have:

Tuesday 3rd October

Kent Reliance - Tim

Wednesday 4th October

Kensington - Alex
Together - Laleta

Thursday 5th October

Kent Reliance - Tim
Magellan - Jacqui

Please call our sales team to find out more or to discuss a new enquiry!

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27/09/2017 - Mortgage Strategy Awards 2018

Please vote for us!

Voting closes today at 5.30pm!

We are delighted that AToM have been nominated 5 times at the 2018 Mortgage Strategy Awards 2018.

These are known as the oscars of the mortgage industry and this prestigious ceremony acknowledges the success, achievements and hard work we have made over the last year.

We were delighted to be winners of the Best Broker for Short-Term Lending/Bridging in 2017 and would love to repeat this in 2018!

We would be honoured if you would vote for us and this would be really appreciated by everyone at AToM!

We have been nominated in the following categories:

-  Best Mortgage Brokers
-  Best Technology Provider
-  Best Broker for BTL
-  Best Specialist Broker/Distributor
-  Best Broker for Short-Term Lending

Thank you for your support!

Please click here to vote.

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27/09/2017 - Secure Trust Lender Launch

AToM are delighted to announce we have partnered with Secure Trust as one of their specialist distribution partners for their newly launched 1st Charge Residential Mortgage range!

This exciting lender is one of the UKs best capitalised banks and they have a genuine desire to help your residential customers underserved by the high street.

NEW Lender Highlights include:

-  2 Year fixed rates starting from 2.69%
-  3 Year fixed rates starting from 3.09%
-  5 Year fixed rates starting from 3.39%
-  Up to 85% LTV
-  Free valuation & free standard legals on all Remortgages (up to a property value of B#350,000)
-  Fixed 999 product fee on all applications
-  No minimum income required
-  No minimum period of employment considered
-  Applicants in probationary period considered
-  Up to 100% income considered for agency workers (with a good track record)
-  100% Gifted equity considered

Acceptable Credit History:

-  Up to 2 CCJs accepted in 24 months (0 in 12 months)
-  Up to 2 Defaults accepted in 24 months, telecoms & mail order defaults ignored (0 in 12 months)
-  Up to 1 secured arrear accepted in 24 months (0 in 12 months)
-  Up to 2 unsecured arrears accepted in 24 months (1 in 12 months)
-  DMPs (Debt Management Plans) accepted if satisfied over 12 months ago
-  Bankruptcies and IVA accepted if discharged over 36 months ago

Please call our sales team today for more information regarding these great new products!

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25/09/2017 - AToM Onsite Lenders

Did you know..?

...as part of the great service we provide to you and your customers we have access to various onsite lenders each week to help with your cases?

Take a look at our onsite lenders below:

Monday 25th September

Together - Lorenzo
Foundation - Annette

Tuesday 26th September

Kent Reliance - Tim

Wednesday 27th September

Precise Mortgages - Liza
Kensington - Alex

Thursday 28th September

Kent Reliance - Tim

Friday 29th September

Graeme - Harpenden

Please call our sales team to find out more or to discuss a new enquiry!

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22/09/2017 - Kensington 90% LTV Exclusive

Have you seen our 90% LTV Residential Exclusive with Kensington?

Product Highlights include:

-  Up to 90% LTV
-  NEW Rates from 3.54%
-  Limited credit history accepted
-  Underwriter manual assessments
-  Self employed mortgage available
-  100% of bonus income considered
-  Failed credit score mortgages available
-  Available for purchases and remortgages

Acceptable Credit History:

-  Defaults accepted if older than 24 months
-  Satisfied CCJs accepted if older than 24 months
-  Unsatisfied CCJs accepted which are registered over 24 months ago (at the underwriters discretion)
-  Secured loan arrears accepted if older than 24 months
-  Unsecured Credit arrears accepted if accounts now up to date (max status of 2 in last 12 months)
-  All communications Defaults ignored
-  2 Year Debt Management Plans (DMP) accepted

Please call our sales team with your residential cases and they will be happy to help!

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20/09/2017 - Foundation Home Loans Increase Max Loan Amount

Foundation Home Loans have increased their maximum loan size to 1m across their Buy to Let range. This will apply to their Standard, Specialist and First Time Landlord products.

Where the LTV is 65% or less, landlords can obtain a mortgage up to 1m.

For loans up to 75% LTV and HMOs or Multi Unit Blocks, the maximum loan remains at 500K. 

To find out more regarding this product update please call our sales team and they will be happy to help!

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19/09/2017 - Masthaven Market Leading Bridging Rates

Have you seen our market leading bridging range with Masthaven?

Masthavens bridging and development finance offering comprises residential and commercial products, provided on both a regulated and non-regulated basis.

Product range includes:

Residential

-  First Charge Bridging Loans
-  Second Charge Bridging Loans
-  Renovation and Refurbishment Bridging Loans
-  Development Loans (1st charge only)

Commercial

-  First and Second Charge Bridging Loans

Highlights include:

-  Market leading rates from 0.48%!
-  Heavy and light refurbishment accepted
-  Limited and overseas registered companies considered
-  HMOs accepted as security
-  Adverse accepted across the product range
-  Loans from 500K
-  Loans up to 5m
-  Up to 70% LTV
-  No exit fees or ERCs
-  Available on properties across England, Wales and Scotland

Please speak to the AToM team to find out more and they will be happy to help!

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18/09/2017 - AToM Onsite Lenders

Did you know..?

...as part of the great service we provide to you and your customers we have access to various onsite lenders each week to help with your cases?

Take a look at our onsite lenders below:

Monday 18th September

Magellan - Jacqui

Wednesday 20th September

Kensington - Alex

Thursday 21st September

Kent Reliance - Tim

Please call our sales team to find out more or to discuss a new enquiry!

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13/09/2017 - Tipton Limited Edition Exclusive Product Range

Have you seen our new and exclusive discounted mortgage products with Tipton?

Discounted mortgage rates from 1.04%!

NEW Product Highlights:

-  Rates starting from 1.04%!
-  Up to 75% LTV
-  Free standard valuation on all products
-  Free legals on remortgages
-  Arrangement fee free products available
-  Minimum valuation of 75K
-  Loans up to 450K
-  Available for purchases and remortgages

Please call our sales team to find out more today!

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11/09/2017 - AToM Onsite Lenders

Did you know..?

...as part of the great service we provide to you and your customers we have access to various onsite lenders each week to help with your cases?

Take a look at our onsite lenders below:

Monday 11th September

Together - Lorenzo

Tuesday 12 September

Kent Reliance - Tim
Harpenden - Graeme

Wednesday 13th September

Kensington - Alex

Thursday 14th September

Kent Reliance - Tim
Masthaven - Roz

Please call our sales team to find out more or to discuss a new enquiry!

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04/09/2017 - AToM Onsite Lenders

Did you know..?

...as part of the great service we provide to you and your customers we have access to various onsite lenders each week to help with your cases? 

Take a look at our onsite lenders:

Tuesday 05th September

Kent Reliance - Tim
Shawbrook - Steve

Wednesday 06th September

Kensington - Alex
Magellan - Jacqui

Thursday 07th September

Kent Reliance - Tim
Family BS - Sharon
Precise - Gareth

Please call our sales team to find out more or to discuss a new enquiry!

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30/08/2017 - Foundation Home Loans BTL Exclusive

Limited Edition rate, ends tomorrow!

Have you seen our exclusive BTL Product Range with Foundation Home Loans?

NEW Product Range includes:

-  Rates starting from 2.99%
-  Loans up to 65% LTV
-  No minimum income
-  No credit scoring
-  Limited Company BTLs considered
-  Rental calculations from 125% (limited company) and 145% (if in personal name) of 2.99%
-  being withdrawn 31st August, act fast!

Please call our sales team today for more information regarding this great product!

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29/08/2017 - AToM Onsite Lenders

Did you know..?

...as part of the great service we provide to you and your customers we have access to various onsite lenders each week to help with your cases?

Take a look at our onsite lenders below:

Tuesday 29th August

Kent Reliance - Tim

Wednesday 30th August

Kensington - Alex

Thursday 31st August

Kent Reliance - Tim

Please call our sales team to find out more or to discuss an enquiry!

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25/08/2017 - Foundation Home Loans BTL Exclusive

Have you seen our new and exclusive BTL Product Range with Foundation Home Loans?

Only 4 working days left on the Limited Edition rate! 

NEW Product Range includes:

-  Rates starting from 2.99%
-  Loans up to 65% LTV
-  No minimum income
-  No credit scoring
-  Limited Company BTLs considered
-  Rental calculations from 125% (limited company) and 145% (if in personal name) of 2.99%
-  
Limited tranche available

Please call our sales team today if you have any enquiries and they will be happy to help!

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21/08/2017 - AToM Onsite Lenders

Did you know..?

...as part of the great service we provide to you and your customers we have access to various onsite lenders each week to help with your cases?

Take a look at our onsite lenders below:

Tuesday 22nd August

Kent Reliance - Tim

Thursday 24th August

Family BS - Sharon
Kent Reliance - Tim
Magellan - Jacqui

Please call our sales team to find out more or to discuss an enquiry!

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21/08/2017 - AToM System Maintenance

Please be aware we will be undergoing system maintenance from 5pm onwards today. We apologise for any disruption caused but this should be for only half an hour. 

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18/08/2017 - AToM Together System Problems

Due to a recent update we are currently experiencing difficulties with our online DIP forms. If you experience any issues please contact our IT department, we apologise for any inconvenience caused.

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18/08/2017 - Tipton Limited Edition Exclusive Product Range

Have you seen our new new and exclusive discounted mortgage products with Tipton?

Discounted mortgage rates from 1.04%!

NEW Product Highlights include:

-  Rates starting from 1.04%!
-  Up to 75% LTV
-  Free standard valuation on all products
-  Free legals on remortgages
-  Arrangement fee free products available
-  Minimum valuation of 75K
-  Loans up to 450K
-  Available for purchases and remortgages

Please call our sales team to find out more today!

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17/08/2017 - Masthaven Market Leading Bridging Rates

Did you know..?

...we have a market leading bridging range with Masthaven?

Masthavens bridging and development finance offering comprises residential and commercial products, provided on both a regulated and non-regulated basis.

Product Range includes:

Residential

-  
First Charge Bridging Loans
-  Second Charge Bridging Loans
-  Renovation and Refurbishment Bridging Loans
-  Development Loans (1st charge only)

Commercial

-  First and Second Charge Bridging Loans

Highlights include:

-  Heavy and light refurbishment accepted
-  Limited and overseas registered companies considered
-  HMOs accepted as security
-  Adverse accepted across the product range
-  Loans from 500K
-  Loans up to 5m
-  Up to 70% LTV
-  No exit fees or ERCs
-  Available on properties in England, Wales and Scotland

Please speak to the AToM team to find out more and they will be happy to help!

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15/08/2017 - Trading Business Applications Accepted

AToM are delighted to announce that we have been approved to submit applications to Shawbrook for Trading Business enquiries. 

Product Highlights include:

-  Rates from 4.90%
-  Up to 75% LTV
-  3, 4, 5, 7 & 10 year fixed periods available
-  150K Minimum loan
-  Available for leisure, retail and industrial units

Please call our sale team to find out more and they will be happy to help with your enquiries!

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14/08/2017 - AToM Onsite Lenders

Did you know..?

...as part of the great service we provide to you and your customers we have access to various onsite lenders each week to help with your cases?

Take a look at our lenders below:

Monday 14th August

Family BS - Sharon
Together - Lorenzo & Laleta

Wednesday 16th August

Masthaven - Roz
Kensington - Alex

Thursday 17th August

Foundation - Annette
Barclays - Paul

Call our sales team to find out more or to discuss an enquiry!

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11/08/2017 - Foundation Home Loans BTL Exclusive

Have you seen our new and exclusive BTL Product Range with Foundation Home Loans?

NEW Product Range includes:

-  Rates starting from 2.99%
-  Loans up to 65% LTV
-  No minimum income
-  No credit scoring
-  Limited Company BTLs considered
-  Rental calculations from 125% (limited company) and 145% (if in personal name) of 2.99%!
-  Limited tranche available

Please call our sales team today if you have any enquiries and they will be happy to help!

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09/08/2017 - BTL Products for First Time Buyers

Did you know..?

...Precise Mortgages now offer BTL mortgages to first time buyers wanting to invest in the property market?

Product Highlights include:

-  Rates from 3.19%
-  Up to 75% LTV
-  Less than perfect credit profiles accepted
-  50K Minimum loan
-  No minimum income required

To find out more please call our sales team today!

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09/08/2017 - Precise Mortgages BTL Product Withdrawal

Precise Mortgages will be withdrawing selected products from their BTL range tonight in preparation for the new BTL product range which is due to be released on 11/08/2017.

To ensure you secure a product from the current range please submit your application in full before 8pm this evening.

Please call our sales team to find out more and they will be happy to help.

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08/08/2017 - New HMO Product Launch

Foundation Home Loans launch HMO and Multi Unit products.

We are delighted to announce FHL have released a new BTL range with 2 & 5 year fixed rate products to help with your customers HMO and MUB cases, via AToM. 

Product Highlights include:

-  NEW Rates from 3.19%!
-  Up to 75% LTV
-  HMOs up to 8 bedrooms
-  Freehold MUBs accepted up to 10 flats/units
-  500K Maximum loan
-  75K Minimum loan
-  Available for limited companies

Please call our sales team if you have any queries regarding this great new product range!

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08/08/2017 - AToM Onsite Lenders

Did you know..?

...as part of the great service we provide to you and your customers we have access to various onsite lenders each week to help with your cases?

Take a look at our onsite lenders below:

Tuesday 08th August

Kent Reliance - Paul
Harpenden - Graeme
Shawbrook - Steve

Wednesday 09th August 

Kensington - Alex
Together - Laleta
Skipton International - Nigel

Thursday 10th August

Kent Reliance - Paul
Family BS - Sharon
Magellan - Jacqui

Call our sales team to find out more or to discuss an enquiry!

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04/08/2017 - AToM Complete 1.7m Bridging Loan in 9 Days

We are delighted to announce we arranged a 1.7m bridging loan in just nine days with United Trust Bank.

The broker approached AToM after their client had exchanged contracts on a property paying over a large non-refundable deposit assuming she could complete in time. The client had placed her unencumbered 2.8m property on the market but not had any firm offers.

Working closely with the broker and United Trust Bank, we managed to obtain the offer and completed just ahead of the deadline.

United Trust Banks Rob Love commented "Completing this loan from a standing start in nine days with no existing valuations available to re-address is an excellent result and testament to the great teamwork between United Trust Bank and AToM".

For more information or to discuss an enquiry please call our sales team today!

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01/08/2017 - Foundation Home Loans BTL Exclusive

AToM are delighted to announce the launch of Foundation Home Loans new exclusive BTL Product Range! 

NEW Product Range includes:

-  Rates starting from 2.99%
-  Loans up to 65% LTV
-  No minimum income
-  No credit scoring
-  Limited company BTLs considered
-  Rental calculations from 125% (limited company) and 145% (if in personal name) of 2.99%!
-  Limited tranche available

Please call our sales team today for more information regarding this great new product!

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31/07/2017 - AToM Onsite Lenders

Did you know..?

...as part of the great service we provide to you and your customers we have access to various onsite lenders each week to help with your cases?

Take a look at our onsite lenders below:

Monday 31st July

Family BS - Sharon
Together - Lorenzo
Tipton - Richard

Tuesday 1st August

Precise Mortgages - Liza
Kent Reliance - Paul

Wednesday 2nd August

Kensington - Alex

Thursday 3rd August

Paul - Kent Reliance

Call our sales team to find out more or to discuss an enquiry!


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28/07/2017 - Precise Mortgages Adverse BTL Exclusive

Have you seen Precise Mortgages new BTL exclusive for your customers with adverse credit?

This new product range has 5 year fixed rates starting from 4.39% with only 3 years of ERCs!

This product range is available for individuals and Limited Companies and is a great alternative for landlords with less than perfect credit profiles.

Please contact our sales team to find out more or to discuss a new enquiry! 

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26/07/2017 - AToM launch over 55s

Shawbrook Bank has partnered with AToM to provide a packaging service for its 55 Plus Interest-Only Mortgage.

The product offers a new solution to borrowers aged 55 or over nearing the end of their existing interest-only arrangement, with an outstanding balance.
 
Through this partnership Shawbrook will be further improving the finance options available to those approaching or past retirement age.

Please see the Shawbrook Lender Page to find out more and to download the criteria sheets.

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26/07/2017 - Saffron withdraw

Saffron have given notice that they will be withdrawing their popular 2.77% 5 Year fixed rate BTL product on Friday. 

Key timings - AToM must have sent over a DIP to the lender by Midday on Thursday 27th July.

- AToM must submit a full mortgage application by midday on Friday 28th July.

Please ensure AToM receive items at least two hours before the above deadlines.  

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25/07/2017 - AToM Onsite Lenders

Did you know..?

...as part of the great service we provide to you and your customers we have access to various onsite lenders each week to help with your cases?

Take a look at our onsite lenders below:

Tuesday 25th July

Kent Reliance - Paul
Shawbrook - Steve

Wednesday 26th July

Kensington - Alex
Together - Laleta

Thursday 27th July

Family BS - Sharon
Harpenden - Graeme
Magellan - Jacqui
Kent Reliance - Paul

Call our sales team to find out more or to discuss an enquiry!

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17/07/2017 - Marsden withdraw 95%


With effect from 14/7/17, Marsden BS have withdrawn their 95% range of products.

Anything before this time will be honoured if case sent to them from AToM before 21st July 2017.

Please speak to the AToM team to find out more. 

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14/07/2017 - Magellan Packager Exclusive

Have you seen our packager exclusive with Magellan Homeloans? This is a great product range featuring fees assisted products with no rate loadings. 

The new product range offers rates starting from 2.96%, no valuation fees payable up to 600 (for property purchase price up to 500K) and 450 cashback on completion. 

Alternatively for your remortgage cases the product range offers no valuation fee payable up to 600 (for property value of 500K) and free standard legals. 

Product highlights include:

-  Adverse considered
-  Rates from 2.96%
-  Up to 85% LTV
-  Manual assessments 
-  No ERCs

If you have any queries or wish to discuss a new enquiry, please call our sales team today and they will be happy to help!

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11/07/2017 - New InterBay Commercial Bridging Finance Range

We are delighted to announce we have launched a new and limited access Bridging Finance range with InterBay Commercial!

This exciting new range will cover Residential Investments, Heavy Refurbishments and Commercial / Semi Commercial products. 

NEW Product Range includes:

Standard Bridging 

including Auction Purchase, Developer Exit, Light/Medium Refurb;

-  Rates from 0.44% pm up to 55% LTV
-  Rates from 0.54% pm up to 65% LTV
-  LTVs up to 75% for just 0.64%!

Heavy Refurbishment Bridging

including Heavy Refurb;

-  Rates from 0.54% pm up to 55% LTV
-  Rates from 0.64% pm up to 65% LTV
-  Rates from 0.74% pm up to 70% LTV

Commercial / Semi Commercial

including Auction Purchase;

-  Rates from 0.75% pm up to 55% LTV
-  Rates from 0.85% pm up to 65% LTV
-  Rates from 0.90% pm up to 70% LTV

Product Highlights:

-  Lender arrangement fee 2% - no exit fee
-  Minimum loan size 100K
-  Maximum loan size 5m
-  Terms up to 18 months
-  Non-regulated only

Remember this is LIMITED ACCESS and only a select few have access.

To find out more regarding this great new product range please call our sales team and they will be happy to help!

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10/07/2017 - AToM Onsite Lenders

Did you know..?

...as part of the great service we provide to you and your customers we have access to various onsite lenders each week to help with your cases?

Take a look at our onsite lenders below:

Tuesday 11th July

Harpenden - Graeme
Shawbrook - Steve
Axis Bank - Andy

Wednesday 12th July

Kensington - Alex
Together - Laleta

Thursday 13th July

Family BS - Sharon
Magellan - Jacqui

Call our sales team to find out more or to discuss an enquiry!

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07/07/2017 - Foundation Home Loans BTL Exclusive

Did you know we have a 5 Year Fixed BTL Exclusive with Foundation Home Loans?

Our new exclusive product range has 5 year fixed rates starting from 3.45% and limited company rental calculations from 125% of 3.45%!

There is no minimum income with this product and minimum loans start from 200K.

For more information on this great product please call our sales team and they will be happy to help!

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05/07/2017 - Masthaven Residential Product Launch

Today we are delighted to announce we have launched Masthavens new Residential Product Range! 

This exciting new range will be flexible, simple and not reliant on credit scoring to help more of your customers achieve the right mortgage. 

NEW Product Highlights include:

-  Loans up to 1m
-  Loans up to 80% LTV
-  35 Year terms
-  Up to 60% LTV on Interest-Only/Part and Part
-  No credit scoring
-  Rates starting from 2.94%
-  Available up to age 85 at end of term
-  Self employed retained profit and projections considered
-  Unlimited gifted deposit for first time buyers accepted
-  Impaired credit considered
-  Contractors and employed with short history accepted
-  Available on properties in England, Wales and Scotland

Please call our sales team to find out more or to discuss this great new product range!

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04/07/2017 - AToM Onsite Lenders

Complex case? Try Family Building Society or any of the lenders onsite at AToM this week

Tuesday 

Kent Reliance - Paul
Axis Bank - Andy

Wednesday

Foundation - Sarah

Thursday

Kent Reliance - Paul
Family BS - Sharon

Friday

Kensington - Alex

Call our sales team to find out more or to discuss an enquiry!

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30/06/2017 - Precise Launch Adverse BTL Exclusive

Today we are delighted to announce we have recently launched a new BTL exclusive for your customers with adverse credit.

The new product range has 5 year fixed rates starting from 4.39% with only 3 years of ERCs!

This product range is available for individuals and Limited Companies and is a great alternative for landlords with less than perfect credit profiles.

Please contact our sales team to find out more or to discuss an enquiry regarding this new product!

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29/06/2017 - Magellan Update Lending Criteria

Have you seen the new and updated lending criteria from Magellan?

Take a look at their updated range below:

-  Maximum loan sizes up to 750,000k available for Complex Prime borrowers

-  One years self employed trading accounts can now be considered

-  Policy has been extended to allow for up to 2 Arrears as well as CCJs and Defaults in the last 12 months

-  2 CCJs/Defaults up to 1,500k now permitted

-  Up to 100% shift allowance can now be considered

-  Min valuation reduced to 70k

-  DTI increased to 40% where household income is >35k

-  Employed borrowers can now be assessed using only the latest payslip

-  Adverse now allowed in the last 12 months

T&Cs Apply

To find out more regarding this new criteria update please call our sales team who will be happy to help!

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28/06/2017 - Kensington Launch H2B

Kensington is to support the Governments Help to Buy Equity loan scheme.  It aims to hep both First Time Buyers and Home Movers who have deposits of at least 5% to buy a new build home.
- Help to Buy equity loans available in England and Wales
- Rates from3.64%
- 2, 3, and 5 year fixed rates
- Mortgages available with just a 5% deposit
- No interest payable on the equity loan in first 5 years.
- Open to first time buys or home movers on a repayment basis, buying a new build property.

Please contact the AToM sales team for further information

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26/06/2017 - Pepper make changes

At the close of business on Tuesday 27th June, Pepper will be refreshing some of their Residential Range of Products.

If you would like to secure one of the rates from the current range, you will need to have received an accepted DIP by close of business - they will honour all of these after this date. 

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20/06/2017 - AToM Onsite Lenders

Tricky case? Try Pepper or any of the lenders onsite this week at AToM

Monday

Together - Lorenzo

Tuesday

Kent Reliance - Paul
Axis Bank - Andy

Wednesday 

Foundation - Sarah

Thursday

Kent Reliance - Paul
Family BS - Sharon

Friday

Kensington - Paul

Call our sales team to discuss an enquiry or to find out more!

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16/06/2017 - Foundation Home Loans BTL Exclusive

Today we are delighted to announce our latest 5 Year Fixed BTL Exclusive with Foundation Home Loans! 

The new exclusive product range has 5 year fixed rates starting from 3.45% and limited company rental calculations from 125% of 3.45%! 

There is no minimum income with this product and minimum loans start from 200k.

For more information on this great product please call our sales team and they will be happy to help.

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15/06/2017 - Family Building Society BTL Offset Mortgage

Have you seen the Family Building Societys BTL Offset Mortgage?

This new product works in a similar way to a standard mortgage but a savings account is attached to the mortgage payment! This means any money placed in your clients savings account is automatically deducted from the amount of the mortgage on which interest is charged.

Product highlights include:

-  Interest rates from 2.99%
-  Offset savings up to 100% of the mortgage amount
-  Customers can reduce their monthly mortgage repayments
-  Customers savings can be used for early mortgage repayments
-  Up to 65% LTV
-  Interest only/capital/repayment options available
-  Up to 4 saver accounts can be linked to the mortgages

If you would like to find out more please call our sales team today and they will be happy to help! 

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15/06/2017 - Dudley Building Society Application Times

Please note the following turnaround times for Dudley Building Society.

Dudley Building Society are currently working on applications that were submitted fully packaged from 6th June 2017 and DiPs from 14th June 2017.

Please contact our sales team if you have any queries and they will be happy to help.

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14/06/2017 - Landbay Packager Exclusive

Do you have a hard to place BTL case? 

Check out our new packager exclusive product launch with Landbay! They have some great new products available including 5 year fixed BTLs from 3.45%.

NEW BTL Product Highlights:

-  Rates from 3.29% (2 Year Fixed) & 3.45% (5 Year Fixed)
-  Up to 75% LTV
-  Rental calculated at 125% of 3.45%

NEW HMO Product Highlights:

-  Rates from 3.59% (2 Year Fixed) & 3.75% (5 Year Fixed)
-  Up to 75% LTV
-  Rental calculated at 130% of 3.75%

Please call if you wish to discuss an enquiry regarding these new products with our sales team!

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13/06/2017 - Harpenden Limited Edition Remortgages

Is your client after a remortgage? Take a look at our latest promotion below and see how we can help.

NEW Product Highlights:

-  Rates from 1.99%
-  Up to 75% LTV
-  Loans up to 3.5m
-  No Early Repayment Charges (ERCs)
-  No upper age limits
-  Equity release considered
-  Clients coming to the end of the mortgage term considered - who wish to remain in their home for additional years
-  Home improvements considered - either the security or another property owned by the borrower
-  Gifted family deposits considered
-  Purchase of properties abroad considered

Please call our sales team today to discuss this limited edition product!

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12/06/2017 - AToM Onsite Lenders

Complex case? Try Tipton (6x income) or any of the lenders onsite this week at AToM

Tuesday

Kent Reliance - Paul
Harpenden - Graeme
Shawbrook - Steve
Andy - Axis Bank

Wednesday

Together - Laleta

Thursday

Kent Reliance - Paul
Magellan - Jacqui

Friday

Kensington - Paul

Call our sales team to discuss an enquiry or to find out more!

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09/06/2017 - Residential Cashback Exclusive

Have you seen our residential cashback exclusive?

This product offers your customers 1% cashback upon completion after 3 years!

This is for purchase only mortgages and is available on loans up to 500K with rates starting from 3.99%.

For more information on this great offer please contact our sales team and they will be happy to help.

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08/06/2017 - Dudley Building Society Application Times

Please note the following turnaround times for Dudley Building Society.

Dudley Building Society are currently working on applications that were submitted fully packaged from 24th April 2017 and DiPs from 7th June 2017.

Please contact our sales team if you have any queries and they will be happy to help.

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06/06/2017 - Kent Reliance ExPat Mortgages

Struggling with an ExPat BTL? Speak to AToM and see how we can help! 

We have great ExPat products available through Kent Reliance to help with your enquiry.

Product highlights:

-  Rates from 4.24%
-  Up to 75% LTV
-  Loans up to 3m
-  Most countries available
-  25K minimum income (non-standard mortgage)
-  50K minimum income (standard mortgage)

If you have any queries or wish to discuss a new enquiry, please call our sales team and they will be happy to help!

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05/06/2017 - AToM Onsite Lenders

Tricky case? Try Family Building Society or any of the other lenders onsite at AToM this week

Monday

Family BS - Sharon
Together - Lorenzo

Tuesday

Kent Reliance - Paul
Foundation - Sarah

Wednesday 

Bucks - Julie

Thursday

Kent Reliance - Paul
Magellan - Jacqui

Friday

Kensington - Paul

Call our sales team to discuss an enquiry or to find out more!

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01/06/2017 - Together BTL Exclusive

Have you seen our BTL exclusive with Together? This range is perfect for customers with high levels of adverse!

NEW Product Highlights include:

-  Rates from 6.89%
-  Up to 75% LTV
-  Loans up to 1m available
-  No minimum income required
-  Up to 4 arrears accepted in the last 12 months on secured loans
-  Up to 4 defaults accepted in the last 12 months

Please call our sales team today to discuss this great exclusive product!

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30/05/2017 - AToM Onsite Lenders

Complex case? Try Pepper or any of the lenders onsite this week at AToM

Wednesday

Together - Laleta

Thursday 

Magellan - Jacqui
Family BS - Sharon

Friday

Kensington - Paul

Call our sales team to discuss an enquiry or to find out more!

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25/05/2017 - Bluestone Mortgages Product Update

Bluestone Mortgages have released an updated product range with improved criteria to help more of your customers get an affordable mortgage! 

There are new 2 & 5 year fixed rates products available, up to 85% LTV on Residential products and the Bankruptcy/IVA range is back in stock!

Updated product range:

-  Bankruptcy/IVA now available
-  Up to 4 Defaults and 3 CCJs in 3 years
-  Available to employed/self employed/contractors
-  Available on BTLs (adverse same as Residential)
-  Up to 4 applicants on 1 application
-  Up to 85% LTV on Resi / 80% LTV on BTL

Please call our sales team to find out more or to discuss an enquiry!

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24/05/2017 - Landbay Packager Exclusive

Today we are delighted to announce our new packager exclusive product launch with Landbay! There are some great new products including 5 year fixed BTLs from 3.45%!

NEW BTL Product highlights:

-  Rates from 3.29% (2 Year Fixed) & 3.45% (5 Year Fixed)
-  Up to 75% LTV
-  Rental calculated at 125% of 3.45%

NEW HMO Product highlights:

-  Rates from 3.59% (2 Year Fixed) & 3.75% (5 Year Fixed)
-  Up to 75% LTV
-  Rental calculated at 130% of 3.75%

Lender highlights include:

-  10 Bedroom HMOs accepted
-  50K minimum loan
-  750K maximum loan
-  Individuals, SPVs, Trading Names and Partnerships accepted

Please call if you wish to discuss an enquiry regarding these new products with our sales team!

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23/05/2017 - Axis Bank Specialist Products

Have you seen Axis Banks new specialist products? They have added some great new products to their range with Limited Edition 65% LTV products now available!

NEW Specialist Product highlights include: 

-  2 Year Fixed rates from 3.38% with 65% LTV!
-  5 Year Fixed rates from 3.68% with 65% LTV!
-  HMOs, Student Lets and Limited Companies accepted
-  Minimum loan 250K (65% LTV products)
-  Maximum loan 1m

Please call our sales team today to discuss these great products! 

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22/05/2017 - AToM Onsite Lenders

Complex case? Try Family Building Society or any of the lenders onsite at AToM this week

Monday

Family BS - Sharon
Together - Lorenzo

Tuesday

Axis Bank - Andy
Kent Reliance - Paul

Wednesday

Foundation - Sarah

Thursday 

Harpenden - Graeme
Kent Reliance - Paul

Friday

Kensington - Paul

Call our sales team to discuss an enquiry or to find out more!

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22/05/2017 - Kensington 90% Exclusive Withdrawal

Kensington are withdrawing there 90% LTV Residential exclusive range for Specialist Distributors on Monday 22nd May.

If you would like to submit a case on this range, please login to our portal below and produce a DIP illustration before 3pm on Monday 22nd May.

Full applications must then be submitted by 5pm on Tuesday 30th May.

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18/05/2017 - Magellan Packager Exclusive

Have you seen our packager exclusive with Magellan Homeloans? This is a great product range featuring fees assisted products with no rate loadings. 

Key Product features include:

-  Purchases only - No valuation fee payable up to B#600 (for property purchase price of 500K) and 450 Cash Back on completion. 

-  Remortgages only - No valuation fee payable up to 600 (for property value of 500K) & Free Standard Legals

The above options apply to the No ERC Tracker rates, 2 & 3 year fixed rates for our M1 to M4 products under the Complex Prime Range. 

Product highlights include:

-  Adverse considered
-  Rates from 2.99%
-  Up to 85% LTV
-  Manual assessments
-  No ERC

Please call our sales team to find out more or to discuss an enquiry!

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18/05/2017 - Tipton Exclusive High Income Multiples

After a great income multiple? Have you tried our Tipton exclusive? 

Product highlights:

-  Up to 6.0x income multiples
-  Rates from 2.69%
-  Up to 85% LTV
-  Maximum loan 450K
-  Free legals on some remortgages (standard legal work only)

Please call our sales team to find out more or to discuss an enquiry!

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16/05/2017 - Pepper Limited Edition BTLs

Please note as of close of business, Tuesday 16th May, Pepper Homeloans will no longer be accepting applications on their 2.98% 5 Year Fixed BTL products. 

We will need to DIP by 5pm today to secure these rates. 

Please call our sales team if you have any queries and they will be happy to help!

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16/05/2017 - Axis Bank Specialist Products

Have you seen Axis Banks new specialist BTL products? They have made some great new updates to their range with 65% LTV products now available!

NEW Specialist Product highlights include:

-  2 Year Fixed rates from 3.38% with 65% LTV!
-  5 Year Fixed rates from 3.68% with 65% LTV!
-  HMOs, Student Lets and Limited Companies accepted
-  Minimum loan 250K (65% LTV products)
-  Maximum loan 1m

Please call our sales team today to discuss these new products!

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16/05/2017 - Bridging Rates from 0.59%

Bridging enquiry? We have rates from 0.59% via Shawbrook!

Lender highlights include:

-  Regulated & non-regulated bridging lender rates starting from 0.59%
-  Light & Heavy refurbishment rates starting from 0.69% & 0.79%
-  Commercial & Semi-Commercial rates from 4.10%
-  Residential investment, HMO & multi-unit freehold from 2.99%
-  Available to Individuals, LLPs, UK Ltd Companies & British ExPats

Please call our sales team today if you would like to find out more and they will be happy to help!

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15/05/2017 - AToM Onsite Lenders

Tricky case? Try Together or any of the lenders onsite this week at AToM

Monday

Tipton - Richard

Tuesday

Shawbrook - Steve
Kent Reliance - Paul

Wednesday

Together - Laleta

Thursday

Magellan - Jacqui
Kent Reliance - Paul

Friday

Kensington - Paul

Call our sales team to discuss an enquiry or to find out more!

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12/05/2017 - Pepper Limited Edition BTLs

Have you seen Peppers new Limited Edition 5 Year Fixed BTLs?

NEW Product Highlights:

-  Rates starting from 2.98%!
-  Up to 75% LTV
-  Minimum loan size 25,001
-  Free legals for remortgages
-  Rental calculation 140% of 2.98%

Please contact our sales team to find out more!

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11/05/2017 - Precise Mortgages BTL Product Withdrawal

Please note as of close of business, Thursday 11th May, Precise Mortgages will no longer be accepting applications on their 2.99% 5 Year Fixed BTL products. 

We need to submit FULL APPLICATIONS by 5pm tomorrow, so will need on the AToM systems by 3pm

Alternatively, if you are DA, you can choose AToM as your submission route on Precises website and submit by 8pm tomorrow. 

The 3.39% and 3.49% 5 Year Fixed Limited Edition products will remain in the range!

If you have any queries please do not hesitate to contact our sales team and they will be happy to help!

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09/05/2017 - Outside the Box Lending with Harpenden

Are you after outside the box lending? Try Harpenden Building Society today and see how they can help with your complex cases!

Lender highlights include:

-  Up to 75% LTV
-  Manual underwriting
-  Rates from 2.74%
-  Complex cases considered
-  Self builds considered
-  Guarantors considered
-  Multiple transactions considered

If you would like to discuss their products please call our sales team today and they will be happy to help!

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08/05/2017 - Dudley Building Society Application Times

Please note the following turnaround times for Dudley Building Society.

Dudley Building Society are currently working on all applications that were submitted fully packaged from 7th March 2017 and DiPs from 5th May 2017.

Please contact our sales team if you have any queries and they will be happy to help.

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08/05/2017 - AToM Onsite Lenders

Complex case? Try Axis Bank or any of the lenders onsite this week at AToM

Monday

Together - Lorenzo
Kent Reliance - Paul
Family BS - Sharon

Tuesday

Harpenden - Graeme

Thursday 

Kent Reliance - Paul

Friday

Kensington - Paul

Call our sales team to discuss an enquiry or to find out more!

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04/05/2017 - 2.99% 5 Year Fixed BTLs

Have you seen our 2.99% 5 Year Fixed BTL product? Hurry this is for a limited time only!

Product highlights include:

-  Rates from 2.99%!
-  Minimum loan 350K
-  Maximum loan size 3m (LTV limits apply)
-  Affordability based on pay rate
-  Available to both Core and Limited Company

Please note the 2% arrangement fee on this product is available until 5pm today!

This will be increasing to 3% tomorrow.

If you would like to find out more please call our sales team and they will be happy to help!

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03/05/2017 - Magellan Packager Exclusive

Today we are delighted to announce our new packager exclusive product launch with Magellan Homeloans! This is a great new product range featuring fees assisted products with no rate loadings. 

Highlights include:

-  Purchases Only - No valuation fee payable up to 600 (for property purchase price of 500K) and 450 Cash Back on completion.

-  Re-Mortgages Only - No valuation fee payable up to 600 (for property value of 500K) & Free Standard Legals

The above options apply to the No ERC Tracker rates, 2 & 3 year fixed rates for our M1 to M4 products under the Complex Prime Range.

Call our sales team today to discuss an enquiry if you have any queries!  

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03/05/2017 - Dudley Building Society Application Times

Please note the following turnaround times for Dudley Building Society. 

Dudley Building Society are currently working on all applications that were submitted fully packaged from 3rd March 2017 and DiPs from 2nd May 2017.

Please contact our sales team if you have any queries and they will be happy to help.

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02/05/2017 - AToM Onsite Lenders

Tricky case? Try Shawbrook or any of the other lenders onsite at AToM this week

AToM Lender Diary 01/05/2017

Tuesday

Shawbrook - Steve

Wednesday

Bucks - Julie
Precise - Liza

Thursday

Magellan - Jacqui
Kent Reliance - Paul

Friday

Kensington - Paul

Please call our sales team to discuss an enquiry or to find out more!

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27/04/2017 - Kensington Reduce Residential Rates

As of Thursday 27th March Kensington will be reducing the rates on their Residential products. These will help to give your customers with complex needs an even better choice of fixed rate loans for purchase or remortgage!

NEW Product Highlights include:

Residential 90% LTV Exclusive

-  Rates from 3.84% (2 Year Fixed)
-  Rates from 4.29% (3 Year Fixed)

Residential 75-85% LTV Exclusive

-  Rates from 2.69% (2 Year Fixed)

Residential Second Home Exclusive

-  Rates from 2.69% (2 Year Fixed)
-  Rates from 3.19% (3 Year Fixed)

If you would like to find out more please call our sales team today and they will be happy to help!

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26/04/2017 - Foundation Home Loans BTL Product Withdrawal

Please note as of close of business, Thursday 27th April, Foundation Home Loans will be withdrawing all BTL products - including the 5 year fixed rate 3.49% exclusive (with rental calculated on pay rate)!

Decisions in Principles, for current products, must be received by the end of Thursday 27th April and converted to full mortgage application by 27th May 2017*.

*Please note we will need to DIP by 5pm to secure these rates. Therefore we will need full AIPS on the AToM Together system by 3pm

The new and replacement products will be launched on Friday 28th April

Please call our sales team if you have any queries and they will be happy to help!

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25/04/2017 - Dudley Building Society Application Times

Please note the following turnaround times for Dudley Building Society.

Dudley Building Society are currently working on all applications that were submitted fully packaged from 1st March 2017 and DiPs from 20th April 2017.

Please contact our sales team if you have any queries and they will be happy to help. 

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25/04/2017 - AToM Onsite Lenders

Complex case? Try any of the lenders onsite at AToM this week

AToM Lender Diary 24/04/2017

Tuesday

Together - Laleta
Kent Reliance - Paul

Wednesday

Lloyds - Gary

Thursday

Harpenden - Graeme
Kent Reliance - Paul

Friday

Kensington - Paul

Call our sales team to discuss an enquiry or to find out more!

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21/04/2017 - Foundation Home Loans Residential Product Launch

Have your Residential customers been declined? Today we launch Foundation Home Loans new Residential product. Designed for clients who may have experienced a minor blip on their credit rating in the past, these Standard and Specialist products help to provide more lending options!

New Product range includes:

-  Purchase/remortgage options available
-  Up to 85% LTV
-  Up to 2 satisfied CCJs/Defaults up to the value of 2k within the last 24 months (500 in the case of debt consolidation)
-  Maximum of 2 missed secured payments in the last 24 months
-  Up to 2 months Unsecured arrears in the last 24 months
-  Up to 750K loans available

Please call our sales team to find out more or to discuss an enquiry!

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20/04/2017 - 5 Year Fixed BTL Product Withdrawal

Please note as of close of business, Thursday 20th April, Kent Reliance will no longer be accepting application or AIPs on their 5 Year Standard and Specialist Buy to Let products.

Note we need to DIP by 5pm this evening to secure rates. Therefore we will need full DIPS on the AToM Together system by 3pm this afternoon.

The new and replacement products will be available from 9am on Friday 21st April. These products include:

-  65% LTV - 3.89%
-  75% LTV - 4.09%
-  80% LTV - 4.39%
-  85% LTV - 5.29%

Please call our sales team if you have any queries and they will be happy to help!  

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19/04/2017 - 2.99% 5 Year Fixed BTLs

Today we are delighted to announce we have a new 2.99% 5 Year Fixed BTL product available! Be quick this is for a limited time only!

Product highlights include:

-  Rates from 2.99%!
-  Minimum loan 350K
-  Maximum loan size 3m (LTV limits apply)
-  Affordability based on pay rate
-  Available to both Core and Limited Company

Call our sales team today to discuss an enquiry regarding this great new product!

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18/04/2017 - AToM Onsite Lenders

Complex case? Try Kensington or any of the other lenders onsite at AToM this week!

AToM Lender Diary 18/04/2017

Tuesday

Kent Reliance - Paul

Thursday

Kent Reliance - Paul

Friday

Kensington - Paul

Call our sales team to discuss an enquiry or to find out more!

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13/04/2017 - AToM Roadshows

Please note the dates for our AToM Roadshows!

Our roadshows provide you with an opportunity to gain an insight into whats happening within the mortgage market whilst focusing on different mortgage areas. These include residentials, BTLs/HMO/Ltd Co, Lending into Retirement, Adverse, Complex Deals, Bridging, Commercial and much more!

We have booked six location across the UK and will be looking at a morning event (9am-1.30pm) with four lenders at each roadshow. 

Locations 

London          12/09/2017
Winchester    13/09/2017
Gatwick         19/09/2017
Birmingham    20/09/2017
Manchester    26/09/2017
Bristol            27/09/2017

Click here to register:  http://roadshows.atomltd.co.uk/

We hope to see you there!

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13/04/2017 - Dudley Building Society Application Times

Please note the following turnaround times for Dudley Building Society. 

Dudley Building Society are currently working on all applications that were submitted fully packaged from 23rd February 2017 and DiPs from 5th March 2017

Please contact our sales team if you have any queries and they will be happy to help.

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11/04/2017 - Family Building Society BTL Offset Mortgage

Have you seen the Family Building Societys BTL Offset Mortgage?

This new product works in a similar way to a standard mortgage but a savings account is attached to the mortgage payment! This means any money placed in the savings account is automatically deducted from the amount of the mortgage on which interest is charged.

Product highlights include:

-  Interest rates from 2.99%
-  Offset savings up to 100% of the mortgage amount
-  Customers can reduce their monthly mortgage repayments
-  Customers savings can be used for early mortgage repayments
-  Up to 65% LTV
-  Interest only/capital/repayment options available
-  Up to 4 saver accounts can be linked to the mortgages

If you would like to find out more please call our sales team today and they will be happy to help!

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11/04/2017 - Dudley Building Society Application Times

Please note the following turnaround times for Dudley Building Society.

Dudley Building Society are currently working on all applications that were submitted fully packaged from 23rd February 2017 and DiPs from 28th March 2017.

Please contact our sales team if you have any queries and they will be happy to help. 

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10/04/2017 - AToM Onsite Lenders

Tricky case? Try Family Building Society or any of the other lenders onsite at AToM this week! 

AToM Lender Diary 10/04/2017

Monday

Together - Laleta

Tuesday

Axis Bank - Andy
Kent Reliance - Paul

Wednesday

Precise - Gareth

Thursday

Precise - Liza
Kent Reliance - Paul

Call our sales team to discuss an enquiry or to find out more!

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07/04/2017 - Magellan Homeloans Credit Score

Would you find it easier to place mortgages for your clients if you did not have to navigate around the numerous credit score cards operated by lenders?

With a manual underwriting approach without any credit scoring at all, the Magellan Homeloans Near Prime and unique Credit Repair products offer you a variety of solutions for clients who are declined by lenders automated credit scoring. 

This gives you solutions for clients who: 

-  Simply have a low credit rating
-  Are declined for no other reason than failure to pass a credit score
-  Have previous adverse credit that adversely affects their credit profile
-  Have not had any form of credit therefore are unable to build their credit score
-  Have had numerous jobs and/or addresses in the last 3 years which affects their credit      score

If you would like to find out more please call our sales team today and they will be happy to help!

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06/04/2017 - Dudley Building Society Application Times

Please note the following turnaround times for Dudley Building Society.

Dudley Building Society are currently working on all applications that were submitted fully packaged from 21st February 2017 and DiPs from 20th March 2017. 

Please contact our sales team if you have any queries and they will be happy to help.

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05/04/2017 - Best Broker for Short-Term Lending/Bridging

Today we are delighted to announce we were awarded the Best Broker for Short-Term Lending/Bridging at the Mortgage Strategy Awards 2017.

We are proud to have been awarded Best Broker for Short-Term Lending/Bridging at the Mortgage Strategy Awards 2017. The "Oscars" of the mortgage industry. 

Our award confirms the mutual partnership we have with you and we would like to thank you for your support!

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04/04/2017 - Dudley Building Society Application Times

Please note the following turnaround times for Dudley Building Society. 

Dudley Building Society are currently working on applications that were submitted fully packaged from 17th February 2017 and DIPs from 15th March 2017.

Please contact our sales team if you have any queries and they will be happy to help.

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04/04/2017 - Tipton Exclusive High Income Multiples

After a great income multiple? Have you tried our Tipton exclusive?

Product Highlights

-  Up to 6.0x income multiples
-  Rates from 2.69%
-  Up to 85% LTV
-  Maximum loan B#450K
-  Free legals on some remortgages (standard legal work only)

Please call our sales team to find out more or to discuss an enquiry!

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03/04/2017 - AToM Onsite Lenders

Tricky case? Try Family Building Society or any of the other lenders onsite at AToM this week!

AToM Lender Diary 03/04/2017

Monday

Family BS - Sharon

Tuesday

Kent Reliance - Paul
Shawbrook - Steve

Wednesday

Bucks - Julie

Thursday

Magellan - Jacqui
Kent Reliance - Paul

Friday

Kensington - Paul

Call our sales team to find out more or to discuss an enquiry!

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23/03/2017 - Dudley BS App Times

Please note the following turnaround times for Dudley Building Society.

Dudley Building Society are currently working on applications that were submitted fully packaged from 14th February 2017 and DIPs from 8th March 2017.

Please contact our sales team if you have any queries and they will be happy to help.

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20/03/2017 - AToM Onsite Lenders

Complex case? Try any of the 10 lenders onsite at AToM this week!

AToM Lender Diary 20/03/2017

Monday

Family BS - Sharon
Together - Lorenzo

Tuesday

Castle Trust - Andrea
Shawbrook - Steve
Kent Reliance - Paul

Wednesday

Precise - Liza
Together - Laleta

Thursday

Kent Reliance - Paul
Magellan - Jacqui

Friday

Kensington - Paul

Call our sales team to discuss an enquiry or to find out more!

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16/03/2017 - Tipton Revised Exclusive Product Range

Today Tipton have revised their exclusive product range for their High Income Multiple and BTL Large Portfolio products. Please find the changes below.

High Income Multiple Product (Purchase and Remortgage)

-  Interest Rate increased by 0.1% (applied rate now 2.69%)
-  Arrangement fee reduced from 0.50% to 0.30%
-  Product end date extended by one month to 30 April 2020

BTL Large Portfolio Product 

-  Rate reduced by 0.10% and end date extended until 30 April 2020 on existing purchase and remortgage product
-  TWO NEW 5 Year discounted products with reduced fees and a no ERC option

Please call our sales team to find out more or to discuss an enquiry!

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14/03/2017 - The Family Building Society Product Withdrawal

Please note The Family Building Societys BTL 2.99% 3 Year Fixed Semi Exclusive product is being withdrawn.

We require all DIPs to be submitted to us by 17th March (applications by 27th March), for this product. 

Product Highlights:

-  Rates from 2.99%
-  Up to 65% LTV
-  945 product fee (added up to LTV)
-  Refund of valuation on Remortgages
-  Free legals on Remortgages
-  Available on a repayment or interest only basis
-  Manual assessment

If you wish to discuss this product withdrawal or an enquiry please call our sales team and they will be happy to help!

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13/03/2017 - AToM Onsite Lenders

Complex case? 90% LTV? Try Kensington or any of the other lenders onsite at AToM this week!

AToM Lender Diary W/C 13/03/17

Tuesday

Harpenden - Graeme
Kent Reliance - Paul

Wednesday

Precise - Gareth

Thursday

Kent Reliance - Paul

Friday

Kensington - Paul

Call our sales team to discuss an enquiry or to find out more!

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08/03/2017 - Vida Homeloans Residential Range

Find yourself with a tricky residential case? Have you tried the residential range from Vida Homeloans?

Product highlights include:

-  Up to 85% LTV available
-  Up to 75% LTV available (Interest Only)
-  Fixed rates from 3.29% and variable from 2.99%
-  Self employed 1 years accounts accepted
-  Up to 4 applicants & incomes
-  Right to Buy accepted
-  Contract workers accepted
-  Max loan 1m
-  Minimum income 15K
-  Impaired Credit considered

If you have any queries regarding this product range or would like to discuss an enquiry please call our sales team today!

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06/03/2017 - AToM Onsite Lenders

Complex case? Speak to our lenders onsite at AToM this week and see how they can help!

AToM Lender Diary W/C 06/03/17

Monday

Family BS - Sharon
Together - Laleta and Lorenzo

Tuesday

Axis Bank - Andy
Shawbrook - Steve

Wednesday

Precise - Gareth

Thursday 

Kent Reliance - Paul

Call our sales team to discuss an enquiry or to find out more!

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28/02/2017 - Tipton Exclusive Large Portfolio BTLs

AToM is delighted to announce we have been chosen as one of a limited few to offer an exclusive product for Tiptons Large Portfolio BTL range!

Product highlights include:

-  Rates from 2.88%
-  Up to 70% LTV
-  Maximum loan 350K
-  Lender arrangement fee just 999*
-  Rates applies where portfolio consists of 4 or more BTL properties at the time of application
-  Free valuation and free legals on remortgages

*  For purchases and remortgages. 199 booking fee also applies for remortgages.

To find out more please click this link.

Or alternatively call our sales team today!


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24/02/2017 - Buy to Let Product Updates

Today Kent Reliance and Pepper Homeloans have updated their BTL product ranges. Please find highlights of the changes below.

Kent Reliance Specialist BTLs:

-  Rates from 2.99%
-  No ERCs on discounted variable rates
-  Large loan rates available with reduced product fees
-  5 Year Fixed rates reduced

Pepper Homeloans BTLs:

-  Up to 80% LTV
-  New Limited Edition 2 Year Fixed Rates starting from 3.38%
-  5 Year Fixed Rates now available

To find out more regarding these changes please call our sales team today!

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21/02/2017 - Tipton Exclusive Lender Launch

Today we are delighted to announce we have launched with the Tipton and Coseley Building Society! Please find details below of their exciting new range with 6x income multiples!

Product highlights include:

-  Up to 6.0x income multiples
-  Rates from 2.59%
-  Up to 85% LTV 
-  Max loan 450K
-  Free valuations and free legal fees available on remortgages
-  Available across England and Wales

Call our sales team to find out more or to discuss an enquiry!


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16/02/2017 - Precise Mortgages Exclusive BTL

Are you after a very good rental calculation? Have you seen Precise Mortgages new BTL range which now includes a new Limited Edition 5 Year Fixed product?

Product highlights include:

-  Rates from 3.39%
-  Rental calculations from 125% of 3.39%
-  Maximum loan size 2m (LTV Limits apply)
-  Affordability based on pay rate
-  Available to both core and Limited Company

Please call our sales team to find out more! 

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14/02/2017 - Kensington 90% LTV Exclusive Update

Today we are delighted to announce Kensington have updated their 90% LTV Residential Exclusive! The updated range now has rates starting from 4.34%!

Product highlights include:

-   Up to 90% LTV
-   Rates from 4.34%
-   Limited credit history accepted
-   Underwriter manual assessments
-   Self employed mortgages available
-   100% of bonus income considered
-   Failed credit score mortgages available
-   Available for purchases and remortgages

Please call our sales team to find out more or to discuss an enquiry. 

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14/02/2017 - Skipton International ExPat Buy to Lets

Struggling with an ExPat case? Have you tried Skipton International?

Product highlights include:

-   Rates from 2.99% (3 Year Discount) & 5 Year fixed from 4.24%
-   Free valuations and free lender legals available
-   100,000 minimum loan
-   Loans up to 1.5m
-   Up to 75% LTV

To find out more regarding these products please call our sales team and they will be happy to help!

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09/02/2017 - Precise Mortgages BTL Product Update

Today we are delighted to announce Precise Mortgages have updated their BTL range to include a new Limited Edition 5 Year Fixed product!

Product highlights below:

-  Rates from 3.39%
-  Rental calculations from 125% of 3.39%
-  Maximum loan size 2m (LTV Limits apply)
-  Affordability based on pay rate
-  Available to both Core and Limited Company

Call our sales team to find out more regarding the new range or to discuss an enquiry on 01403 272625.

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02/02/2017 - Foundation Home Loans Rental Calculation Update

Are you after a good rental calculation? Have you seen Foundation Home Loans semi-exclusive rental calculated at 125% of 3.49%? 

Product highlights include: 

-  5 Year fixed rates from 3.49%
-  Up to 75% LTV
-  Ltd Company BTLs considered
-  No minimum income required
-  Directors loan deposit considered
-  Rental calculations from 125% (limited company) and
   145% (if in personal name) of 3.49%

Call our sales team to find out more regarding this great product and they will be happy to help!


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01/02/2017 - Dudley Building Society Income Criteria Update

Today Dudley Building Society have updated their income criteria to include some new changes!

New Income Criteria highlights include:

-  Now accepting income from lodgers
-  Now accepting zero hour contracts
-  10% overpayments accepted
-  Interest Only mortgages available
-  Removal of restriction on the number of children for child minders

Please call our sales team if you wish to discuss these updates or to discuss an enquiry.

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31/01/2017 - Precise Mortgages Onsite Today

Today we have Liza Campion onsite with the sales team! 

Please find their product highlights below:

-  Customers in a Debt Management Plan considered
-  All new BTL products with rates starting from 3.29%
-  Residential lifetime trackers from 3.19%
-  Up to 85% LTV with adverse considered (First Time Buyers included)
-  Self employed with 1 year accounts
-  Exclusive HMO Buy to Let up to 80% LTV
-  Buy to Let with no minimum income requirements
-  Help to Buy products now with 4% cashback
-  CCJs and Defaults considered on Residential and BTL

If you have any queries regarding these great products please call our sales team now on 01403 272625.

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27/01/2017 - Kensington 90% LTV Exclusive

Have you seen Kensingtons 90% Residential Exclusive? This is a great product which we are delighted to advertise via AToM! 

Product highlights include:

-  Up to 90% LTV
-  Rates from 4.79%
-  Limited credit history accepted
-  Underwriter manual assessments
-  Self employed mortgages available
-  100% of bonus income considered
-  Failed credit score mortgages available
-  Available for purchases and remortgages

Please call our sales team to find out more!

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23/01/2017 - Axis Bank Product Update

Today Axis Bank have updated their product range to include their latest new rates!

Please find the updated rates below:

Standard BTLs

-  2 Year fixed rates from 3.38%
-  2 Year fixed pound for pound remortgages from 3.38%
-  3 Year fixed pound for pound remortgages from 3.69%
-  5 Year fixed rates from 3.95%
-  2 Year variable rate 3 month LIBOR + 3.00%

Specialist BTL

-  2 Year fixed rates from 3.58%
-  2 Year fixed pound for pound remortgages from 3.58%
-  3 Year fixed pound for pound remortgages from 3.89%
-  5 Year fixed rates from 4.15%
-  2 Year variable rate 3 month LIBOR + 3.00%

If you have any queries regarding these new products please call our sales team on 01403 272625.

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18/01/2017 - Market Leading Bridging Rates

Today we are delighted to announce we have been appointed to Masthavens Premier Panel! 

With immediate effect on all 1st charge (regulated and non-regulated) bridging loans we are offering a market leading rate of 0.49% on all loans under 40% LTV.

We also have reduced rates on all loans in the 40-50% LTV range at 0.54%.

New rates include:*

Up to 40% LTV - 0.49%

40-50% LTV - 0.54%

50-60% LTV - 0.75%

60-70% LTV - 0.85%

*LTVs to include retained interest / lender fees if applicable

If you have any queries regarding these new rates please call our commercial team on 01403 272625 and they will be happy to help.

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17/01/2017 - Axis Bank PRA Changes

Today Axis Bank have updated their product range to help accommodate the latest PRA changes. 

New product updates include:

-  125% rental calculation at 5.5% pay rate for basic rate taxpayers.
-  Personal income to support any ICR shortfall may be considered (350K+ loans)
-  HNW exemptions by exception
-  125% rental calculation at 5% pay rate (like for like remortgages)

If you have any queries regarding these changes please contact our sales team and they will be happy to help.

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13/01/2017 - Foundation Home Loans Rental Calculation Update

Please note with effect from 16th January Foundation Home Loans rental calculation stress test will be changing. 

Any DIPs submitted before Monday 16th January will be assessed on the basis of the current calculations and will be unaffected by the change.

Any DIPs submitted on or after 16th January will be assessed on the following criteria:

Individuals:

5 Year fixed rates from 145% of pay rate.

All other products 145% of the higher of: pay rate OR 5.5% notional rate

Limited Companies:

5 Year fixed rates from 125% of pay rate.

All other products 125% of the higher of: pay rate OR 5.5% notional rate

If you have any queries regarding these changes please call our sales team on 01403 272625.

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13/01/2017 - Precise Mortgages Bridging Finance Update

Today Precise Mortgages have updated their Bridging Finance range to include new limited edition reduced rates! We are delighted to announce we have been included on their premier panel for these exclusive rates.

Rates on this range start from 0.54% and 0.64% with a minimum property value of 50K. Please note these rates are per month and are available for Regulated Bridging Finance and Property Investor Finance.

For more information regarding these products please call 01403 272625.

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10/01/2017 - AToM Feedback Survey

We are always looking at ways we can improve our service and offerings to you and your customers.

With this in mind, we would be very grateful if you could give us some feedback on what we do well and areas we could do better!

This includes your thoughts and suggestions on our new CRM system AToM Together and ways which we can improve it to help you further.

Thank you in advance for taking the time to complete the survey and for your valued feedback.

Please click here to take part in our survey:

http://www.smartsurvey.co.uk/s/ZM1L6/

If you have any queries please contact our sales team and they will be happy to help.


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04/01/2017 - Axis Bank Product Update

Today Axis Bank have confirmed they have made changes to their lending policy with immediate effect. 

Please find the changes below:

Client Experience: 

Applicant 1 must hold at least 3 existing BTL properties, subsequent applicants must hold at least 1 existing BTL property, which they have never lived in. All applicants must have been active within BTL for at least the past 2 years. 

MUFB:

The number of units under one freehold has been increased from 5 units to 6 units. Axis Bank will now accept MUFB applications with a maximum of 6 units.

Age of Borrower:

The maximum age for a sole applicant is to remain at 80. In a joint or company application, the youngest applicant must be a maximum of 80 at the end of the loan term. Older applicants, on the same application, can exceed the 80 year maximum subject to underwriter approval. 

Maximum number of loans:

The maximum number of loans that may be granted until Axis evidence 6 months satisfactory seasoning is 5 (up to the B#5m maximum exposure limit). After this the Bank will consider up to a maximum of 10 further loans (subject to a maximum exposure limit of 33% of the applicants rental property portfolio).

Lending Area:

Their lending area includes mainland England and selected counties in Wales: Gwent, Mid Glamorgan, South Glamorgan and West Glamorgan. It does not include the Channel Islands, Isle of Wight, Scillly Iles or the Isle of Man. 

If you have any queries regarding these changes please call our sales team on 01403 272625 and they will be happy to help.






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03/01/2017 - Happy New Year!

Happy New Year everyone from the AToM team!

We are now back to our normal office hours and look forward to assisting you with your cases! 

2016 was a fantastic year for AToM, we really appreciated your business and have enjoyed working with you all over the past 12 months. We have many new initiatives planned for 2017 and look forward to sharing them with you! 

Please do not hesitate to call our sales team on 01403 272625 and they will be happy to help you. 

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21/12/2016 - Saffron

Please note that from 1st January 2017, Saffron are changing how BTL applications are assessed in line with PRA changes. These changes can be summarised as follows:

REFER Decisions:
From 1st January 2017, all BTL DIP's that are submitted and are not immediately declined, will receive either an automatic ACCEPT decision or a REFER decision.
ALL DIPS (Including ACCEPT decisions) will be manually referred to Saffron's underwriters for assessment. Saffron will confirm within 24 hours if they can consider the case.

BTL Rental Calculation:
- Saffron will be applying the following minimum BTL rental calculation; 140% of pay rate stressed at 2%

There are no changes to the BTL lending criteria.

BTL fully packaged mortgage applications which have been assessed by underwriters by close of business on the 31st December 2016 will be considered on the current affordability assessment requirements.

Please contact the AToM team to find out more, or for assistance.

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21/12/2016 - Kent Reliance BTL Changes

Please note that from 28th December 2016, Kent Reliance are changing the way they assess affordability for BTL and HMO mortgages for all new applications. These changes are as follows: 

AFFORDABILITY: 
Minimum stress rate applicable for rental cover purposes will be 5.5%, or the initial pay rate plus 1.55%, whichever is higher. 

5 year fixed rate applications will continue to be stress-tested at the initial pay rate, with no additional margin or minimum rate applicable. 

STANDARD BTL DEFINITION ENHANCEMENTS 
Kent Reliance have extended their definition of Standard property to include:
- HMO/multi/student lets with up to 5 rooms 
- Blocks of flats with up to 4 units 
- single dwellings 

NEW INTEREST COVERAGE RATIOS: 

Standard Property:
Personal:
- Non-Portfolio Borrower (each individiual owns fewer than 4 investment properties): 140% rental cover
- Portfolio Borrower (at least one individual owns 4 or more investment properties): 155% rental cover 
Limited Company: 125% rental cover 

Specialist Property:
Personal: 
- Non-Portfolio Borrower: 165% rental cover 
- Portfolio Borrower: 180% rental cover 
- Limited Company: 145% rental cover 

Please contact the AToM team for more information, or to make an enquiry. 

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20/12/2016 - Kensington BTL Changes


Please note that from Tuesday 2nd January 2017, Kensington are updating the rental coverage calculations on our Buy to Let product range as follows:

Core range 

- Current rental coverage 125% of 5.5%
- New rental coverage 145% of 5.5%

HMO and MUB range - Specialist Distributor exclusives

- Current rental coverage 150% of 5.5%
- New rental coverage 175% of 5.5% 

If you would like to submit a case on Kensingtons current range, please complete the Decision in Principle as soon as possible (clicking AToM as the submission route), and submit full applications by 5pm on Friday 30th December.

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20/12/2016 - Kent Reliance Changes

Kent Reliance are making changes for the new PRA regulations and their approach will be advised shortly.

In the meantime, all AIPs on the current BTL affordability criteria needs to be at AIP Illustration by 5pm Tuesday 20th December.

Packagers have until 12pm Friday 23rd December to submit fully packaged cases.

Please note that AToM will need DIPs by 3pm TODAY to meet deadlines and AToM is closed on Friday 23rd December, so will need to submit all cases by close of business on Thursday 22nd December.

Please contact the AToM team to find out more, or for assistance.


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19/12/2016 - Elite partner to FHL

AToM are delighted to be awarded ELITE status with Lender Foundation Home Loans.

As such, AToM can now offer EXPAT Limited Company Buy to Lets

Applicants must have:
- Credit footprint in UK
- pay UK tax or have declared income for UK tax purposes
- has at least one BTL in UK
- be employed by multi-national employer
- has a UK bank account
- has a UK correspondence address
- provide the last two years SA100 and tax calculations
- has proof of residency in the foreign country.

Acceptable regions for ExPats are:
Europe, USA and Canada, Hong Kong, Singapore, Thailand, Malaysia, Indonesia, South Korea, Japan, United Arab Emirates 

Please contact the AToM sales team to discuss an enquiry or to submit a DIP.

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16/12/2016 - Precise Mortgages - New Buy to Let Range

Today Precise Mortgages have launched an exciting new range of BTL products in line with the PRA regulation changes. The new range will replace all Core, Limited Company and HMO products.

Precise's new BTL product range includes rates starting from 3.29%, and HMO rates starting from 3.39%.

In addition, Precise have also increased the portfolio size with Precise Mortgage to 20, and up to an aggregate value of £5million, whilst still allowing an unlimited portfolio with other lenders.

For more information regarding this new product range, please call our Sales Team on 01403 27 26 25, and they will be happy to help.

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14/12/2016 - PRA Rules Precise Mortgages Update

Please see Precise Mortgages PRA update below.

ALL CURRENT BTL PRODUCTS ARE BEING WITHDRAWN BY 6PM TONIGHT.

To secure these products the applications must be submitted in full with fees paid.

PRA OLD RULES MUST BE AT DIP ACCEPT BY 6PM TONIGHT.

Any DIPS not submitted in full on the old products, but Dipped prior to 6pm tonight must be submitted by 23rd December to still qualify for the old PRA rules. 

However these will be subject to the new BTL product range launching 15th December.

To find out more please call our sales team on 01403 272625.

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12/12/2016 - PRA Rules Lender Updates

With effect from 1st January 2017 the new Prudential Regulation Authority (PRA) rules on BTL affordability will come into place. 

Please find the pipeline arrangements with our lenders below.

Precise Mortgages

From 15th December, Precise Mortgages will be changing the way they assess their BTL applications.

To ensure you secure an application for a case on their current criteria (rental cover calculated at 125% of the interest only payment of the loan based on the higher of the pay or revert rate) please note the following.

-  All Decision in Principles (DIPs) will need to be at DIP accept status by 

   6pm on 14th December 2016.

-  Full applications will need to be at Application submitted status by 

   6pm on 23rd December 2016.

Any applications after the above dates (new DIP accepts from 15th December) will be on the new PRA rules if they were not previously at DIP accept by 6pm on Wednesday 14th December.

Kent Reliance

From 23rd December, Kent Reliance will be changing the way their BTL applications are assessed. 

To ensure you secure an application for a case on their current criteria please note the following. 

-  All Decision in Principles (DIPs) will need to be at DIP accept status by 

   5pm on Tuesday 20th December.

-  Full applications will need to be at Application submitted status by 

   12pm on Friday 23rd December.

All new applications submitted from 28th December will be underwritten on their new affordability criteria.

To find out more please call our sales team on 01403 272625 and they will be happy to help.

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06/12/2016 - Octopus Property Onsite Today

Today we have Chris Holden onsite from Octopus Property!

Octopus Property have a great product range offering a 4.99% pay rate with a 100% rental calculation, short - medium term BTL rates and loans up to 1.5 million!
They will also accept first time buyers, landlords, foreign nationals and expats with adverse accepted and no minimum/proof of income required.

To find out more or to discuss their product range please call us on 01403 272625 to speak to Chris.

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05/12/2016 - 2016 Precise Mortgages Residential Packager Award

Today we are delighted to announce we have received the 2016 Best Residential Packager award from Precise Mortgages!

A big thank you to everyone for all your support this year and we look forward to working with you all again in 2017!


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28/11/2016 - Exclusive BTL and Ltd Company Lifetime Tracker

LIMITED EDITION PRODUCT - AVAILABLE UNTIL TUESDAY 13TH DECEMBER

- 3.69% Lifetime Tracker
- 125% Payrate
- 2995 Flat Arrangement Fee - Fantastic for any loans over 300K
- Up to 1m
- Remortgages ONLY
- Applies to Ltd Company OR traditional BTL
- Max age 80 at application
- Do not need to be current homeowners

*PROCESSING RESTRICTIONS APPLY*

Simplistic underwriting for Traditional & LTD Company BTLs

NO Proof of Income
NO Bank Statements
NO Minimum Income - however must be able to cover rent voids from self declared earned income for approx 3-4 months

75% to 750K
70% to 1m

Call AToM to find out more about this Exclusive product offering on 01403 272625. 

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23/11/2016 - Skipton International Application Fees

Today we are pleased to announce Skipton Internationals Application Fees have been reduced from 1,999 to 999! 
This will apply to all remortgages received by 30th November. 

Please note both the fee and application have to be received by the end of November. The application fee for purchases will remain at 1,999 and the AToM processing fee applies. 

For more information please call our sales team today on 01403 272625 and they will be happy to help.

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22/11/2016 - Landbay Launch New Mortgage Products

Today Landbay have launched 3 new products to their mortgage range! These are aimed at professional landlords, specifically those with HMOs and Expats.

They have also changed their lending criteria to require a minimum income of B#25K and B#40K for Expats.

Landbays new mortgage products include rates from 3.88%, up to 75% LTV and no ERCs. This is in addition to rental calculations starting at 125% of 3.88%.

To find out more regarding these new products please call our sales team today on 01403 272625.


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17/11/2016 - Kent Reliance Onsite Today

Today we have our onsite Kent Reliance underwriter with the sales team who will be able to help with any of your queries. 

Kent Reliance are a great lender for Specialist BTLs, ExPat BTLs and BTLs for private and professional landlords.

For more information please call our sales team on 01403 272625 and they will be happy to help.

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15/11/2016 - New Kensington BTL Products

Today Kensington have launched their new product ranges for HMOs, MUBs and Second Homes.

These are great new products with their HMO and MUB range offering 2 year fixed rates from 3.39% and up to 75% LTV (MUBs). They will also now accept 6 bedroom HMOs and freehold properties with up to 4 multiple units.

Their second home product range offers 2 year fixed rates from 3.29% and up to 70% LTV. They will accept failed credit scores and a limited credit history on this range too.

For more information regarding these new product ranges please call our sales team on 01403 272625 to find out more.

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14/11/2016 - Vida Homeloans Lender Launch

Today we are delighted to announce we have launched with Vida Homeloans!

Vida Homeloans are a great new lender for your residential and BTL customers offering fixed rates from 3.29% and up to 85% LTV.
They will accept Right to Buys, contract workers, self employed with 1 years accounts and HMOs, Ltd Companies and portfolio landlords.
Vida Homeloans will also consider applicants with impaired credit, rental top ups and up to 4 applicants and incomes.

To find out more regarding our new lender please call our sales team on 01403 272625 and they will be happy to help.

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03/11/2016 - Kensington Product Range Update

Today Kensington have updated their BTL and Residential product range.

They have withdrawn their previous BTL products and these have been replaced with a new refreshed BTL range. Their new range includes rates from 2.79%, up to 80% LTV and max loans of 1.5 million.

Their residential products remain unaffected but they have added additional rates to this range. These include 2 year fixed rates at 3.79% (75% LTV) and 3.89% (80% LTV).

If you have any queries regarding these product updates please call our sales team today on 01403 272625.

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02/11/2016 - Buckinghamshire Building Society Onsite

Today we have Julie from the Buckinghamshire Building Society onsite today!

Buckinghamshire Building Society can deal with unusual properties, offer fixed rates from 3.79% (with no maximum age limit) and can offer repayment and interest only options. 

Call the sales team now to find out more on 01403 272625.

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26/10/2016 - Foundation Home Loans Onsite Today

Today we have James Adkin onsite from Foundation Home Loans!

FHL are a great lender for accepting First Time Landlords, Limited Company BTLs and have rates starting from 3.49%!

Have you also seen their new Semi Exclusive rental calculated at 125% of 3.49%? Make sure you enquire about this great new range they have launched recently, we will be happy to help.

To find out more please call our sales team on 01403 272625.

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25/10/2016 - Precise Mortgages Onsite Today

Today we have Liza Campion onsite with the Sales team!

Precise Mortgages are a great lender for Residential and Buy to Let enquiries. They offer up to 85% LTV with adverse considered (first time buyers included) and Buy to Lets with no minimum income requirements. 

Be sure to also enquire about their new Right to Buy range and Limited Edition Specialist Buy to Lets!

Please call our sales team who will be happy to help on 01403 272625.

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21/10/2016 - Precise Right to Buy Product Update

Today Precise Mortgages have updated their Right to Buy product range!

Their new product offers customers up to 90% of the discounted purchase price of the property, up to 75% LTV and zero product fees! 

To find out more please call our sales team today on 01403 272625.

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18/10/2016 - Pepper Product Withdrawals

Pepper Homeloans to withdraw products from their Buy to Let range on Thursday 20th October!

These withdrawals will be to their 2 & 5 Year Fixed Rates for product codes NP1 and NP2 however there will be no changes to product codes NC3, NC4 and NC5. 

If any cases relating to these products have been submitted to us before Thursday, Pepper will honour these as long as they have been provided with an Accepted Decision in Principle. 

If you have any queries regarding these changes please call our sales team on 01403 272625.

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12/10/2016 - Octopus Property BTL Launch

Today we are delighted to announce we have Chris Holden onsite from Octopus Property to promote their new BTL range!

This is a great new product offering a 4.99% pay rate with a 100% rental calculation, 2 year terms and loans up to 1.5 million!
(Please note this is a discounted rate and the rate is 6.99% with an option to defer 2% of this and pay at completion).

To find out more or to discuss this innovative new range please call Chris Holden on 01403 272625.

 

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11/10/2016 - Precise Launch Ltd Edition Specialist BTLs

Today we are delighted to announce Precise Mortgages have launched their new Limited Edition Specialist BTLs range!

This is a fantastic new product which is available for Limited Company/Limited Liability Partnerships, Limited Company HMOs and HMOs. The range has rates from 3.34% and provides up to 75% LTV with a maximum loan amount of 1 million!

To find out more please call our sales team on 01403 272625 and they will be happy to help.

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07/10/2016 - Kensington Residential Update/AToM Carpool Karaoke

Today Kensington have updated their residential product range! 

There has been an overhaul of their products with rates lowered on many of their residential mortgages. The premier range now has rates from 2.99%, residential lending rates from 3.29% (a decrease of up to 0.70%) and new build rates from 3.54%!

We have also had many requests recently for our carpool karaoke video to make another appearance. This was a first for the mortgage industry and has certainly proved popular! To view the video please visit our Facebook page and feel free to share it with your friends!

To find out more please call our sales team who will be happy to help on 01403 272625.

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05/10/2016 - Precise Launch Right to Buy Product

Today we are delighted to announce Precise Mortgages have launched their new Right to Buy product range!

This is a great new product for house purchases in England and will offer up to 100% of the discounted purchase price of the property, up to 75% LTV and zero product fees!

To find out more please call our sales team today on 01403 272625.

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30/09/2016 - United Trust Bank Onsite Today

Today we have Rob Love onsite with the commercial team!

Rob will be able to help with any enquiries regarding those tricky bridging cases you are having trouble placing. They are a great lender and offer 1st and 2nd charge lending, funding up to 70% of the open market value, multi drawdown facilities and a competitive pricing structure starting from 0.65%!

Call AToM to find out more or to speak to Rob on 01403 272625.


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29/09/2016 - Borro Onsite Today!

Today we have Harriet Smith from Borro with the sales team!

Harriet will be able to help with any enquiries regarding their new Bridging Loans product. Highlights of the new product include up to 75% gross LTV (first charge basis) and 65% gross LTV (second charge basis). They also have rates from 0.95% and accept residential and semi commercial securities and adverse credit.

For more information and to speak to Harriet please call the sales team on 01403 272625.

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23/09/2016 - Pepper Onsite Today

Today we have Gordon Rae from Pepper onsite with the sales team! 

Pepper are a great lender with residential rates starting from 2.93% and buy to let rates from 3.58%. They also provide fee legals on all remortgages (standard legal work only).

Call the AToM sales team to find out more or to speak to Gordon on 01403 272625.

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21/09/2016 - Pepper Product Range Update

Today Pepper Homeloans have updated their whole product range!

They now offer free legals on all remortgages (standard legal work only), residential rates from 2.93% and buy to let rates from 3.58%!

To find out more call our sales team on 01403 272625.

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20/09/2016 - Pepper Product Withdrawal

On Wednesday 21st September Pepper will be making a number of changes to their product range. 

They will be withdrawing their Buy to Let Lifetime Tracker, Buy to Let 2 Year Discounted Tracker and their Residential 3 Year Fixed Rate.

If you submit a case before this Pepper will honour it as long as they have been provided with a Decision in Principle form.

To find out more please call the sales team on 01403 272625.

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19/09/2016 - Axis Bank Product Update

Axis Bank update their minimum loans and lending area!

Their updated products now have a new minimum loan value of 100K and are now available across the whole of England and South Wales (Glamorgan Counties and Gwent).

Coupled with their updated product rates (2 year fixed at 3.69%, 3 year at 3.89% and 5 year fixed at 4.19%) and their 5 year product ranges having no ERCs in years 4 & 5 this is a great new product range!

To find out more please call our sales team today on 01403 272625.

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14/09/2016 - FHL Launch BTL Exclusive!

Foundation Home Loans launch new BTL Prime Plus Exclusive with AToM!  This is a superb new product and we are delighted to have been chosen to support this launch.

Highlights of this product include 5 year fixed rates at 3.49%, an exclusive rental calculation of 125% of pay rate (3.49%) for Ltd Company (145% Individual) and up to 75% LTV.  2% fee added and ERCS 5,4,3,2,1%.

To find out more call the sales team today on 01403 272625.

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09/09/2016 - Bucks launch new rates

Buckinghamshire BS have launched a number of new products including: 

Contractors - 95% LTV (90% remortgages).
Pay rate x 5 x 48 used.

BTL - No max age, FTL considered, no min time for Expats to return to UK and purchase a property. 

All manually assessed.
Please contact the AToM sales team to find out more.  

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09/09/2016 - National Counties changes

National Counties BS have launched two new semi exclusives via AToM

- 2.79% 3 Year fixed Residential.  Includes refund of valuation fee and legals package (remortgages).  Up to 80% LTV.

- 2.99% 3 Year fixed BUY TO LET.  945 arrangement fee.

Both with manual assessment.  Remember AToM has a lender ONSITE underwriter from NCBS.  Call now!

 

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09/09/2016 - Kensington 90% LTV Exc

Kensington have lowered their 90% Packager exclusive product.
Rates now start from 4.79% and can be 2, 3 or 5 year fixed.  
Products are also available to the Self Employed and those who have failed credit scores.
Underwriter decisions rather than credit score.

Call the AToM sales team to find out more or to discuss an enquiry

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25/08/2016 - Precise Mortgages Onsite Today

Today we have Liza Campion onsite with the Sales team!

Great lender for Residential and Buy to Let enquiries. Up to 85% LTV with adverse considered (First Time Buyers included) and Buy to Lets with no minimum income requirements.

Call the sales team now to discuss an enquiry or to speak to Liza on 01403 272625.

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25/08/2016 - Axis Bank Reduce Specialist BTL Rates

Axis Bank reduce their rates for Specialist BTLs!

The updated range sees 2 year fixed rates at 3.69%, 3 year fixed at 3.89% and 5 year fixed at 4.19%!

The 5 year product range also has no ERCs in years 4 and 5 and only 3% ERCs in the third year.

To find out more about these great new products call our sales team today on 01403 272625.

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16/08/2016 - Precise Limited Company BTL Exclusive

Precise Mortgages launch new Limited Company BTL Exclusive with AToM! 

This a great new product and we are delighted to have been chosen to support this launch. Highlights of this product include 5 year fixed rates at 3.89%, only a 1.5% arrangement fee and a 4% reversion rate.

To find out more call our sales team today on 01403 272625.

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15/08/2016 - Skipton Update ExPat Buy to Lets

Skipton International have updated their ExPat Buy to Let portfolio and reduced their UK Standard Variable Rate with effect from the 1st September.

This is a great new product with 3 year discounted rates from 2.99% and 5 year fixed rates from 4.24%! They have also reduced their UK SVR to 4.99% and free valuations are available too.

To find out more call our sales team today on 01403 272625.

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05/08/2016 - 05/08/2016 - Bluestone Mortgages Onsite

Today we have John Smith from Bluestone Mortgages on-site with the sales team.

Bluestone Mortgages accept customers with 4 or more defaults within the last 3 years, 3 or more CCJs within the last 3 years, debt management plans and they do not credit score making them a great alternative for you.

Call the sales team now or to speak to John Smith on 01403 27 26 25.




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03/08/2016 - Bucks & FHL Onsite

We have Julie from the Buckinghamshire Building Society and James from Foundation Home Loans onsite today.

Buckinghamshire Building Society can deal with unusual properties, offer fixed rates from 3.79% (with no maximum age limit) and can offer repayment and interest only options.

FHL are great for First Time Landlords, Ltd Company BTLs and have great rates starting from 3.59%.

Call the sales team now or to speak to Julie/James on 01403 27 26 25.

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01/08/2016 - Stonebridge pick AToM

AToM are delighted to be added to the Stonebridge Group approved packager panel.   Having undertaken due diligence and an assessment which covered a number of areas, including partner feedback, lender choice, financial strength and product access, AToM were selected as one of the new additions to the panel.

Paul Nye, Business Partner Director, Stonebridge commented "we felt that AToM (and the two other additions) were head and shoulders above their competitors and would fit comfortably into the way Stonebridge conducts business."

Dale Jannels, Director, AToM added "Stonebridge are a well respected and long established Network.  We look forward to working closely with their members and offering our lender partners products and exclusives in addition to the new AToM online submission, sourcing and CRM system. " 

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29/07/2016 - Pepper On-Site Today

Today we have Gordon Rae from Pepper on-site with the Sales Team. 

Great lender for rates from 1.98%, up to 85% LTV and clients with previous blips on credit file are accepted. 

Call the Sales Team now to discuss any enquiries. 

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27/07/2016 - Kensington 90% LTV Exc

Kensington are bringing back their Residential 90% LTV Exclusive. 

Product highlights include rates from 4.99%, available for purchases, remortgages and self employed mortgages, limited credit history accepted and 100% of bonus income considered. 

Call the Sales Team now to discuss any enquiries. 

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26/07/2016 - Marsden On-Site Today

Today we have Charlotte Grimshaw from Marsden Building Society on-site with the Sales Team.

Lender excels at fee free products, 75% interest only and has a maximum age of 85. 

Call the Sales Team now for any enquiries. 

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25/07/2016 - Axis On-Site Today

Today we have Andy Rowe from Axis Bank on-site today with the Sales Team.

Great lender for specialist BTL's including HMO's, Student Lets ad Limited Company Applications.

Call the Sales Team now to discuss any enquiries.

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20/07/2016 - Foundation onsite

Today we have James Adkin from FHL onsite with the AToM team.

FHL excel at accepting First Time Landlords, Ltd Company BTls and have superb rates starting from 3.59%

Call the sales team now or to speak to James on 01403 27 26 25

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15/07/2016 - Pepper On-Site Today

We have Gordon Ray from Pepper with the sales team. 

Lender has rates from 3.68%, up to 85% LTV and 80% LTV Buy to Let, 12 months self employed and adverse is considered across the range. 

Call the Sales Team now to discuss any enquiries. 

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14/07/2016 - Kent Reliance On-Site Today

Today we have Steve Woods from Kent Reliance on site with the sales team. 

Great Lender for Specialist Buy to Lets, EX-Pat Buy to Lets and Buy to Lets for both private and professional Landlords. 

Call the Sales Team Now to discuss any enquiries. 

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13/07/2016 - Precise On-Site Today

Today we have Liza Campion on-site today with the sales team. 

Great Lender for Residential and Buy to Let enquiries. Up to 85% LTV with adverse considered (First Time Buyers included), Buy to Let with no minimum income requirements. 

Call the Sales Team now to discuss any enquiries. 

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12/07/2016 - Harpenden and Barclays On-Site Today

Today we have Graeme Aitken from Harpenden Building Society and Andrew Tapsell from Barclays on-site with the sales team. 

Harpenden Building Society have rates from 2.74%, manually assessed mortgages and self builds considered. 

Barclays accept commercial and residential property investments, 15 year repayment terms and owner occupied property commercial property purchases are also accepted.

Call the sales team to discuss any enquiries or criteria.  


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11/07/2016 - New Lender - TML

We are delighted that The Mortgage Lender have launched with AToM today. 

TML are a new specialist and intermediary-only lender and have an experienced and proven team with a successful track record of entrepreneurial growth in a regulated environment.

Products and criteria they are particularly focused on:

  • Standard status borrowers
  • Self employed
  • Lending into retirement
  • Impaired credit
You can see the product guide at 

https://www.atomltd.co.uk/intermediaries/The-Mortgage-Lender/TML%20Product%20Guide%20July%202016.pdf

Call the AToM sales team to discuss any enquiries or to find out more.

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07/07/2016 - FHL Tier 1 and Tier 2 VISAs Allowed

FHL now accept applicants wanting Buy to Let mortgages with either a Tier 1 & Tier 2 VISA.

FHL would require the following supporting information:

  • All visas must have at least 6 months to expiry (at application stage)
  • An additional requirement will be confirmation of the sponsors intention to renew the visa where the visa expires within the next 12 months
Call the sales team to discuss any enquiries or criteria.

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06/07/2016 - Buckinghamshire On-Site Today

Today we have Julie Hanif from Buckinghamshire Building Society on-site with the sales team. 

Lender good for unusual properties, complex income and manual underwriting.

Call the sales team to discuss any enquiries or criteria.

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20/06/2016 - Kensington New Product Launch

Kensington have launched the Kensington Premier Range. 

The Premier mortgage range offers loans up to B#2 million, including a maximum limit of B#1 million for First Time Buyers. Loans are now available up to a maximum 75% LTV, with rates of 3.44% for a 2-Year Fixed and 3.74% for a 3-Year Fixed mortgage. 

Loans up to 65% LTV, rates are 3.34% for a 2-Year Fixed and 3.64% for a 3-year Fixed. All products carry a B#999 completion fee. 

Call the Sales Team now to discuss any enquiries.

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17/06/2016 - Foundation New Product Range

Foundation Home Loans have launched their new product range with rates now starting from 3.59% for Prime cases and 3.97%.

Foundation excel at helping small portfolio landlords, first time landlords and Ltd Co. applications.

Call the sales team now to discuss any enquiries or criteria!

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15/06/2016 - Axis Bank On-site Today

Today we have Andy Rowe from Axis Bank on-site with the sales team.   

Axis excel at specialist BTL lending including HMO's, Student Lets and Limited Company Applications

On Monday Axis lanuched their new discounted variable product range with rates at 3.69% for both standard and specialist BTLs.

Call the sales team now to discuss enquiries and criteria.

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14/06/2016 - Precise On-Site Today

Today we Liza Campion from Precise Mortgages on-site with the sales team.

Great Lender for Residential and BTL enquiries with adverse.

Also available through AToM exclusive Help to Buy and Debt Management Plan Products.

Call the Sales Team now to discuss any enquiries.

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13/06/2016 - Axis Product Launch

Today Axis Bank launch their 2 year discounted variable rate.

Rates at 3.69% for 2 years for both standard and specialist BTLs up to 75% LTV.

No ERCs and Rental stressed at variable rate plus 0.5% subject to 5% minimum @ 125% coverage.

Call the sales team now to discuss any enquiries.

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10/06/2016 - Saffron Criteria Update

Saffron Building Society are now accepting loans up to B#1 million on their FTB products.

Maximum LTV for loans between B#500,000 and B#1 million is capped at 90%.

Properties must be within the M25 to apply.

Call the sales team to discuss any enquiries or criteria.

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09/06/2016 - National Counties Onsite

Today we have Cammy Amaira onsite with the packaged sales team.

National Counties are great with helping clients looking to borrow into retirement, British Ex-pats looking to purchase BTLs and low start family mortgages.

Call the Sales Team to discuss any enquiries.

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08/06/2016 - Together onsite today

Today we have onsite Gary Bailey and Mark Rookyard from Together Loans. 

Lender good for unusual properties and customers with recent credit issues.  

 Please call us to discuss any enquiries.

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23/05/2016 - New LT Tracker BTL

Designed for clients who have experienced a blip on their credit rating, Pepper have launched a Buy to Let with rates starting from 3.68%.

LTVs available are up to 80% LTV and rental assessment is calculated at the pay rate!

Max adverse includes 3 CCJs/Defaults in months 19 - 36, 1 missed mortgage payments in months 19-24 and 1 missed in months 25-36.  Anything over this ignored.  

Call the AToM Sales team to find out more.

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18/05/2016 - Foundation HL changes

Foundation Homeloans are changing their rental calculations for individuals from 125% to 145%.   This will come in to effect on JUNE 14th.  Dips submitted after this date will be on the new calculations.

Rental coverage for Ltd Companies remains at 125%

Please call the AToM team to find out more.

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04/05/2016 - NCBS Changes

NCBS has made some important changes to their lending policy that I wanted to share with you today.

Minimum property value
NCBS minimum property value has reduced from£125,000 to £120,000. This applies to their Owner Occupier and Buy to Let mortgages.

Holiday Homes
Mortgage applications on holiday homes are available, subject to affordability which must be calculated against the applicant's earned income without inclusion of any rental that may be received from the property. Interest-only loans will be accepted on this basis. It is intended that these properties should be for the applicant's use, but where the property may be occupied on a holiday let basis when the applicant is not in occupation.

Please note applicants with portfolios of holiday homes will not be permitted.

Holiday homes will not be accepted where there is a formal AST or where they can only be used as a holiday home due to restrictive covenants within the deeds. The maximum Loan to Value will be 70%.

Loan to Value limits
Owner Occupied limits are amended to:
£45,000-£350,000: 80%
£350,001-£500,000: 75%
£500,001-£1,000,000: 70%
£1,000,001-£1.25m: 65%
£1,250,001-£1.5m: 60%
£1.5m+: 50%

Contract workers
NCBS has changed the length of time for calculating income from 46 weeks to 48 weeks

Please contact AToM to find out more.

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04/05/2016 - Precise launch products

Precise Mortgages have made some important changes to their product range:

Residential:
- Rates from 3.19%.
- 6-year fixed rates decreased by
- 0.30% and a zero product fee option introduced.
- 6-year fixed rates start from 3.79% and offer customer the chance to secure the loans they want or need if they are struggling with affordability on shorter term rates. These changes make these products even more attractive.

Remortgage range introduced with a zero product fee, refund of valuation and free remortgage legal service.

Semi-exclusive cashback range refreshed to offer 2-year fixed rates in place of 2-year trackers.

New Help to Buy products with higher levels of allowable adverse equivalent to tiers 7/8.

Tier 7 score cut-off revised - opens products which allow up to 5 defaults to a greater number of customers.

Maximum term increased to 35 years. This helps customers with their affordability and can be combined with our six year fixed rates to give an even greater chance they will get the loan they need. This criteria is also available on Help to Buy.

Inherited properties now have no minimum ownership period requirements providing probate being granted before application.

Fixed rate end dates extended to 31st July.

Buy to Let

New LTV tier, products now available at 75% LTV to a maximum loan of £750,000.

5 year fixed products reduced by 0.10%, with revert rate reduced to 4.00% from 5.00%.

HMO products reduced by up to rates start from 3.99%.

Limited Company products reduced by up to 0.26%, rates start from 3.99%.

Inherited properties now have nominimum ownership period requirements providing probate being granted before application.

Fixed rate end dates extended to 31st July.

REMEMBER - No packaging fee charged with Precise products via AToM.

To find out more, please call AToM

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03/05/2016 - LLPs now acceptable

Kent Reliance will now allow a BTL in a Limited Liability Partnership.

They will treat this in the same was as a Limited Company.

Please contact AToM to find out more, or to speak to our onsite Lender underwriter (Tuesdays and Thursdays).

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28/04/2016 - AToM to launch with TML

Dale Jannels, AToM managing director said "The market for specialist mortgages is evolving and it is great to see a new entrant with the heritage and experience of The Mortgage Lender team."

"By partnering with The Mortgage Lender we will be able to offer a wider range of products to our customers at prices that are closer to the High Street than is currently available." 

The new lender has unveiled a product range which included 2 year trackers from 2.19% and 2 year fixes from 2.41% this year, while its offering caters for the self-employed and those with impaired credit. 

More to follow..

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28/04/2016 - Bluestone Lower Rates

Bluestone have reduced some rates by up to 1.22% on Clear, AAA, AA ranges - rates from 4.56%.

The Bankruptcy or IVA ranges have now sold out but will back in stock soon!

Call AToM to find out more!

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26/04/2016 - Precise withdraw rates

Tuesday 3rd May 2016 at 8pm, Precise Mortgages will be withdrawing all of their buy to let and residential mortgage products. Replacement products will be available from Wednesday 4th May 2016.

To secure a product from the current range AToM must fully submit your application by 8pm on Tuesday 3rd May 2016.

Please contact AToM asap to progress your application.

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15/04/2016 - AToM add Kensington

AToM (All Types of Mortgages Ltd), the Specialist Mortgage Packager/Distributor, is delighted to announce a new relationship with Kensington Mortgages.

Steve Griffiths, Head of Sales and Distribution, Kensington Mortgages added " Specialist distributors like AToM provide an important service for brokers who are looking for a simple way of sourcing and placing their more complex cases. This is a really important partnership for us and we are looking forward to working together to promote our core range, 90% LTV product and future proposition developments. There is plenty of opportunity out there to provide more options for brokers and their clients and this is the start of a very exciting journey."

Product highlights include, Rates from 4.89%:  no credit scoring: specialist products for Self Employed: 100% Bonus acceptable for Employed : Completion Fee Free products : Free valuation and free legals on some products.  Available in England & Wales.

Please call the AToM sales team to find out more or to submit an enquiry.

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13/04/2016 - ExPat Self Employed

AToM are pleased to announce that UK Expat self-employed applicants can now be considered for Buy-To-Let mortgages.

Self employed applicants will need to evidence that annual income is in excess of £60k pa sterling/£75k pa currency equivalent. Two years accounts will be required and an average figure will be taken. However, if the second year’s income figure is lower than the previous year’s income figure, the latter figure will be used for the mortgage application

To verify self employed income, the lenders accountants certificate will be required to be completed by one of the 13 leading accountancy firms, as dictated by the lender.

Please call the AToM team to find out more.

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12/04/2016 - FHL offer Day 1 Remo

For a limited time, Foundation Home Loans will offer day 1 remortgages, where the existing property has been purchased for cash in order to complete before the 1st April 2016 SDLT and will be considered on a case-by-case basis subject to satisfactory evidence being as to source of purchase funds.

Also, remember that FHL still offer their 5 year fixed rate at 4.39% to £500,000 using the pay rate as the stress rate for rental yield.

Call the AToM team to discuss an enquiry further.

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07/04/2016 - National Counties Onsite

Cammy Amaira, Head of Intermediary Sales at National Counties Building Society will be onsite today to discuss enquiries and take calls.

Remember, AToM have two exclusives with NCBS:

BUY TO LET - 3.89% three year fixed. Manual Assessment. 

- Application fee payable (£175 plus valuation fee)
- £945 product fee for applications up to and including £500,000 and 0.30% of the advance for applications above £500,000, payable when the mortgage starts
- Loans available for remortgage or purchase of buy to let property up to 65% LTV

RESIDENTIAL - 3.49% three year fixed. Manual Assessment. 
- Application fee payable (£175 plus valuation fee)
- £945 product fee for applications up to and including £500,000 and 0.30% of the advance for applications above £500,000, payable when the mortgage starts
- Loans available for remortgage or purchase of buy to let property up to 80% LTV

Please call the AToM team to find out more or to speak with Cammy!

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09/02/2016 - Precise Product Withdrawal

Please be aware that Precise Mortgages are going to be making the following changes to the BTL range with immediate effect from Tuesday 9th Feb at 8pm.

All BTL exclusive products are going to be withdrawn.

All core 5 year fixed BTL products will have the revert rate increased to 5% and the fee increased to 2%

All applications will need to be in by 8pm on Tuesday 9th Feb. 

Please contact AToM asap for any questions, 

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05/02/2016 - Dudley remove ExPat range

In preparation for potential market turbulence as a result of MCD, Dudley are temporarily removing their ExPat products. They will return to the marker once they are able to accurately assess likely levels of demand for their products. 

Products BLX01 and REX01 will be removed from their range as of 5th February 2016. 

Any pipeline cases will be honoured up to two weeks after the 5th February 2016

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Legal & General and AToM
   
   
   
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Our Vision:

"To be the mortgage provider, distributor and packager of choice; most preferred by our partners and most regarded by our customers."