Paradigm Mortgage Services has added Harpenden Building Society to its lender panel.
As well as residential, buy-to-let, later life lending and holiday lets, Harpenden also deals with self-build and joint borrower sole proprietor mortgages. Paradigm director of mortgages Richard Howes says: “Lenders who are able to employ an individual approach to borrowers’ wants and needs are always going to be in favour, especially when the product range is wide and the criteria is broad. We are therefore very pleased to be able to add the Harpenden to our lender panel.”
And Harpenden Head of Distribution and Marketing Emily Smith adds: “Joining the Paradigm Mortgage Services’ panel is another positive step for the Harpenden Building Society in what is shaping up to be an exciting 2022.”
Paradigm members now have full access to their product range.
Harpenden Building Society provide individually underwritten mortgages. That way we get to completely understand the needs of the customer. We deal exclusively with intermediaries and we are experienced in dealing with complex mortgage scenarios. Our sensible approach ensures mortgage applications are individually assessed using common-sense. Working situations have changed significantly in recent times. Our policy of lending to people in different types of employment has kept pace in an ever-changing environment. We pride ourselves on being flexible and accommodating to the changing nature of income.
Key Criteria and USPs
- An individual approach to your application
- We take a flexible view on the merits of your case, suitability and affordability are key
- Repayment, Interest-only or a combination of both available
- No upper age restriction
- Up to 4 borrowers per application
- No LTI cap (please refer to BDMs regarding furlough income)
- Self-employed income (minimum 1 year’s accounts plus a 1 year projection)
- Lend to people who are employed, self employed and retired
- Consider many income sources when determining mortgage affordability. These include salary, bonus and commission, self-employed income, pension and investment or trust income.
You can speak to our underwriters during the process. Our team have years of experience analysing complex customer circumstances. We aim to make the process as simple as possible and create specialist solutions for your clients.
View our full range of mortgage products