First Mortgage Options offers the professional intermediary a packaged panel of 17 lenders which are non-conforming or specialised lenders. Non-conforming mortgages make up more than 20% of mortgages in the UK and the staff at First Mortgage Options have years of experience in this arena.

Our AIP service is a must for any intermediary in the non-conforming or sub-prime market. Either Fax or email on FMO’s DIP form (can be pre-populated and emailed from Trigold) and usually you will receive either an email or faxed response in less than 3 hours, not just one product, but in 90% of cases we offer you the choice of 2 or more products. MOST importantly, we leave only one credit search footprint which will assist your client with any credit scoring lenders. It could be the difference between a 1%, 2% or 3% loading and getting the deal or losing it. Try going direct to lenders for on-line decision in principal (DIP’s) and you disadvantage your client’s credit worthiness not just today, but in the future. This is not in their best interests and they won’t thank you for this.

At our head office in Cheshire we have 6 lenders underwriters* who issue offers on site, so there are no delays in waiting for the lenders head office to process and issue offers, it’s all done at our Northwich head office within minutes not days. 

We offer the introducer the highest levels of service in the industry, direct access to our underwriters and a 3 hour DIP facility which includes lender and rate and we will always quote you the lowest rate available. Our panel of lenders includes some of the most respected lenders in this growing sector and is further complimented by our secured loans department and a dedicated post offer team who ensure that your cases complete faster because WE chase the completion for you leaving you more time to concentrate on new business.

Our current panel of lenders is as follows;

	Short or long term finance providing mortgages from 3 to 30 years and bridging finance up to 12 months. Catering for all status of client, income source, property structure, type or valuation.
	Residential impaired credit specialists, also have a re-mortgage product for adverse clients where the lender will pay the redemption penalty for the clients. 95% FTB's with adverse accepted even with no rental history.
	Excellent range of Prime and Sub Prime products catering for most clients needs, easy to use product guide including unlimited adverse scheme with NO references for loans up to 75% including FTB's. Fixed/Discount rates available.
	Specialising in providing non-conforming mortgages only through its packaging partners.   Unlimited arrears, CCJs acceptable to 85% LTV, self-certification.Subprime to Subprime remortgages,   Right To Buy Remortgages accepted within pre-emption.   Loans sizes calculated using affordability, not income multiples.
	First and second charge lender, impaired credit up to 90% including FTB's, ability to provide offers in house. Also offer second charge lending. Rates as low as BBR + 0.75%
	A product range designed to meet the needs of a range of borrowers, from those with limited adverse credit histories to those with higher adverse credit histories.
	Non-standard property mortgages, non-traditional structure , will do any postcode. Offering a wide range of products including non-standard construction, high rise flats (no floor limit), right to buy, commercial mortgages and bridging loans.
	A specialist non-conforming lender, product range caters for Light, Medium & Heavy adverse, Right to Buy and Buy to Let. Self-certification is available across the majority the range.
	Impaired credit up to 95%, Self-cert adverse and semi commercial loans. Self-cert for employed and self employed up to 90%. Fixed and discount rates available. Right to Buy express completion available to speed up the completion time
	Sub prime lender who offer RTB's to applicants who are in receipt of housing benefit as long as the case is full status. Fixed and discount rates available
	True self-cert, flexible rates, no credit scoring, investment mortgages including portfolios, employed self-cert, credit repair mortgages and excellent rates with low redemption penalties. Exclusive products always available
	A non-conforming lender considering mortgages for any purpose with no upper age limit. No BSQ or mortgage history required. No credit scoring. Unlimited CCJs and arrears considered, subject to affordability
	True self-cert, flexible rates, no credit scoring, investment mortgages including portfolios, employed self-cert, credit repair mortgages and excellent rates with low redemption penalties. Exclusive products always available
	A non-conforming lender providing competitive residential, buy-to-let and right-to-buy mortgage products. First time buyers considered across the product range. All cases submitted are evaluated by an underwriter allowing consideration of each application on an individual basis resulting in more offers to your non-conforming clients.
	A comprehensive range of non-conforming and Buy to Let products. The emphasis with the products is simplicity, offering two rate types; a 2 year Fixed and a 2 year Discount. Main features of the product range include 100% BTL affordability calculation, Sub prime to Sub prime with previous arrears allowed across all products and no Early Redemption Charge BTL.
	Unity Homeloans, created by intermediaries for intermediaries. Providing a competitive range of prime and non-conforming mortgage products. USPs include: 15% Builders Deposits, large loans as standard (to £1,500,000) uncapped packaging and procuration fees. No credit scoring, therefore clients are individually underwriten, providing flexibility and great service.
	No higher lending charge across entire range of products. BTL Portfolio with no proof of rental income required. Self cert and first time buyers up to 5 times income multiples. RTB up to 85% LTV, no tenancy reference required.