ProductGross Fee paid by lenderNet fee paid to regulated brokerNet Fee paid to non-regulated & client referral service
Buy To Let0.80%0.40%0.20%
Self Build1.00%0.50%0.25%
NEW Limited Edition Packager Exclusive Self Build
Criteria snippets
  • up to 80% LTV
  • Rates from 5.39%
  • Minimum loan – £30,000
  • Maximum Loan size – £3,000,000
  • No application fee
  • No ERCs

Some clients find themselves in situations which present quite a challenge when it comes to finding a mortgage. Although the borrower may be perfectly creditworthy, their circumstances and needs may make it very difficult to find a lender who’s able to help.

At Saffron, we understand the unique challenges you face when trying to secure a mortgage for your self employed clients. That’s why we take a case-by-case approach and offer flexible criteria.

Self Employed Specialist Proposition

  • Minimum 12 months’ accounts plus a projection of future earnings
  • Can consider most recent year with large increase subject to accountants reference and projection
  • FTB’s accepted
  • No minimum time when moving from sole trader to limited company


  • Can consider gaps in contracts when the customer has self-financed this gap. – Please contact Lee about these cases.

Day Rate/Fixed Term Contractors

  • Applicants must have 2 years’ employment history in any industry/role and a minimum of 3 months contract history
  • Day one contractors considered on a discretionary basis with a minimum of 1 years work experience in their contacting sector
  • Income calculated as Daily Rate x 5 x 48
  • No minimum income

Zero Hour Contractors

  • Primary and secondary applicants are allowable with a minimum of 1 year working experience in a similar industry

Construction Industry Scheme (CIS) Contractors

  • Minimum 1 years work experience in a similar industry
  • Applicants must have a minimum of 3 months CIS experience
  • Annualised over 48 weeks

Buy To Lets

  • Rental Cover on debt for debt re-mortgage cases 125% of pay rate including the discounted variable rate
  • Maximum Portfolio with Saffron of £3m (no external exposure limit)
  • Available to First-Time-Landlords & First-Time-Buyers
    • No differential stress-testing for standard and & higher rate tax payers
    • Regulated BTL’s for family members to reside in the property     

Expat BTL

  • Available to First-Time-Landlords & First-Time-Buyers
  • Flexible for occupation types (including self-employed, employed, contractors)
  • Most countries accepted – please contact me about these cases.

Working with Complete FS

 We have the pleasure in discussing potential cases with Complete most days which is a real joy, they are much more than just a Packager. We have a great and constructive working relationship supporting each other in our common goals 

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