United Trust Bank

ProductGross Fee paid by lenderNet fee paid to regulated brokerNet Fee paid to non-regulated & client referral service
Buy to Let 0.90% 0.45% 0.225%





Residential (unencumbered) 1.00% 0.50% 0.25%
Secured Loan2.00% 1.35% 0.68%
Residential Product Transfer 0.40% 0.20% N/A
Secured Loan Product Transfer


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
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