Dudley Building Society

Dudley Building Society has been providing mortgages and savings accounts to the people of the Black Country for over 160 years. However in late 2013 it decided to appoint a small number of strategic partners to widen it’s distribution and substantially grow its mortgage book. Complete FS were one of the companies chosen to do this and with Dudley’s innovative approach to lending has successfully supported this growth.

In July 2019 Dudley Building Society were the 6th lender on the Complete panel to provide an onsite underwriter; Anna Pullen will be with Complete FS two days a fortnight and will look after all DIP’s and subsequent mortgage applications. This will improve turnaround times and Phil Jay, Director of Complete FS said “Working closely with Dudley BS, particularly being their most effective partner in terms of business quality and the percentage of cases which are correctly packaged and presented, having their underwriter with us two days a fortnight can only further improve that trend of successfully completed cases.”

Jeremy Wood, chief executive at the Dudley BS, said “Tony Salentino, Phil Jay and Damian Cain are three of the most experienced and knowledgeable individuals in the mortgage market and I am not surprised that they have flourished over the past 26 years through the economic ups and downs. Their professionalism and that of their staff in the way that they prepare cases and see them through is an object lesson to the market.”

Dudley are a great example of a lender who wants to lend, with a wide variety of products that cater for many borrowers:
Here is a summary of why Dudley BS are often considered as a high street alternative:
  • Great on affordability - Up to 6x income multiple
  • Loans up to 1m at 90% LTV
  • Good old manual underwriting, no credit score
  • Interest-only up to 75% LTV (downsizing acceptable)
  • No upper age limit – available on all products
  • Interest-only up to 75% LTV (downsizing acceptable)
  • Joint mortgage, sole proprietor
  • Zero hour contracts considered
  • Up to 4 applicants on a mortgage
  • Shared ownership & Right to Buy
  • Term from 1 – 40 years
  • Non related guarantors accepted
  • Ex-Pat BTL & residential (also if paid in non-sterling)
  • Flats above 5 stories accepted (built after 2000)

Complete are supported by Sam Lea as BDM and Anna Pullen as the
in-house underwriter

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