New Year, New Lenders

To kickstart the new year, we are delighted to announce some fantastic additions to our mortgage lender panel.

Over recent years, the Buy to Let market has become more complex, whilst the COVID-19 pandemic has driven a growing need for lenders that consider residential mortgage clients with more complicated income and employment circumstances or have experienced previous credit/payment issues. 

We’ve been working hard with our partners at Openwork and following an extensive research and selection process, we’re delighted to announce the addition of 4 new specialist lenders. From today we welcome Foundation Home Loans, Landbay, Pepper Money and Vida Homeloans to our lending panel.

Here’s the background about each of our new lenders as well as how to find out more about each.

Foundation Home Loans –  a specialist Buy to Let and Residential mortgage lender, providing flexible solutions for more complex cases.

  • Foundation currently lend in England and Wales but we’re delighted to announce that Foundation will expand their lending into Scotland this year.
  • Foundation Home Loans cater for clients who have suffered minor historical credit issues, including those affected by the pandemic. Buy to Let solutions include Portfolio and non-portfolio landlords, Limited companies and individuals, ex-pats, specialist property types – HMOs, multi-unit blocks and short term lets.

Landbay – is a specialist Buy to Let mortgage lender helping all types of Buy to Let business from first time Buy to Let investors to experienced portfolio landlords.

  • Landbay lend in England and Wales, but we’re delighted to announce that Landbay will also be expanding their lending into Scotland for The Openwork Partnership – lending in Scotland will be exclusively available to us in Q2 2022.
  • Landbay offers solutions for Limited Companies (SPVs and Trading), Limited Liability Partnerships (LLPs), First-time landlords, Standard properties, Houses of Multiple Occupancy (HMO), Multi-Unit Freehold Blocks (MUFB), Properties adjacent or above commercial premises, up to £2m.

Pepper Money – is a specialist Residential and Buy to Let lender. At Pepper Money the product range is structured around your most recent financial event including CCJs, defaults and secured missed payments.

  • Pepper Money lend in England and Wales.
  • Their residential mortgage criteria is designed to help those with unique circumstances who would benefit from a more human underwriting approach. This includes those with complex income, self-employed, young credit history and those who experienced previous financial blips.

Vida Homeloans – is a Specialist Residential and Buy to Let mortgage lender for those of you who may not be able to work with mainstream lenders.

  • Vida Homeloans lend in England, Wales and Scotland.
  • The ‘Impaired and Improving credit’ range supports those borrowers who may have experienced minor credit blips in the past, such as CCJs, defaults and missed payments.
  • Specialist Properties are also a speciality at Vida, these include flats, ex-local authority properties, HMOs & MUBs and properties above commercial premises.


We’re excited about 2022 but whatever the year may bring, our award-winning team will be available to discuss your requirements and provide you with the advice, guidance and support you need to achieve your targets. Get in touch with us today on 0208 364 3444 alternatively click the schedule a call back button below to book a time slot that suits you.

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