United Trust Bank
- Application Form/DIP Form - Company (31/07/23)
- Application Form/DIP Form - Individual (31/07/23)
- Application Form - Secured Loans (01/19)
- Application Form - Additional addendum Heavy Refurb (31/07/23)
- Enquiry Form - Bridging - Companies (13/02/23)
- Product Guide - Residential (21/03/2024)
- Product Guide - Residential 2nd Charge (21/03/2024)
- Product Guide - Buy to Let (23/02/2024)
- Product Guide - Regulated Bridging Finance (08/04/2024)
- Product Guide - Unregulated Bridging Finance (08/04/2024)
- Schedule of Works - Bridging Finance (13/02/2023)
- 5 Step Guide to Second Charge Loans (04/07/22)
| Product | Gross Fee paid by lender | Net fee paid to regulated broker | Net Fee paid to non-regulated & client referral service |
|---|---|---|---|
| Buy to Let | 0.90% | 0.45% | 0.225% |
| Bridging | 2.00% | 1.00% | 0.50% |
Residential |
0.80% |
0.425% |
0.20% |
| Residential (unencumbered) | 1.00% | 0.50% | 0.25% |
| Secured Loan | 2.00% | 1.35% | 0.68% |
| Residential Product Transfer | 0.40% | 0.20% | N/A |
| Secured Loan Product Transfer | 1.00% |
0.50% | N/A |
United Trust Bank is a specialist bank that provides a wide range of secured funding facilities for individuals, businesses and charities. We are driven to understand our customers’ needs, taking an entrepreneurial and pragmatic approach. This allows us to provide quick and flexible funding solutions to support sound proposals.
United Trust Bank was incorporated in 1955 and has many decades of lending experience. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Development Finance
United Trust Bank is a leading specialist bank with a long and consistent track record of financing residential development. We will also consider proposals for commercial development. Our offering is built on four key strengths: experience, flexibility, diligence and relationships.
Our business development managers are property-lending specialists, each with more than 20 years’ experience in the sector. We tailor loans to each borrower’s requirements and the demands of the project. We add value through our extensive due diligence and evaluation of our customers’ needs, and we build relationships with our customers, based on open communications and working together.
Bridging Finance
United Trust Bank is a leading player in the short term finance market. We are known for our ability to get deals done and for our award winning service. Every bridging case is unique, and using our skills and experience we work with you to get loans completed. As a fully regulated bank that has been in business for decades, you can be certain that we will have the funds to complete your case.
Secured Loan Finance
United Trust Bank offers a range of second charge loan products. These are designed to meet the requirements of customers who wish to raise additional funds secured on their home whilst leaving the existing first mortgage arrangement untouched. Complete FS added UTB to their secured loan panel in August 2016 after reviewing their competitive pricing and criteria. USP’s include:
- Loans up to £250K & 80% LTV
- No Early Redemption Penalties and unlimited overpayments on all products
- No Minimum Credit Score on any product
- Self Employed – will take salary, dividend & net profit!
- Lend in England, Scotland & Wales
- Flexible on property types, with no LTV restrictions on listed, ex-council, high-rise flats etc
New Enquiry/Case Tracking
For all your online enquiries, DIP’s, applications and case updates you can use BORIS.
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