Our Lenders & Consumer Duty

 

The FCA has set out rules and guidance for Consumer Duty that sets higher and clearer standards of consumer protection across financial services and requires that firms put their customers’ needs first. To find out more about the Consumer Duty guidance, click here to visit the FCA website.

To find out more about what Positive Lending is doing about Consumer Duty please click here to visit our Consumer Duty page.

Here’s what our Lenders are doing

BARCLAYS
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Target Market Lifestyle Flex

Value for Money Lifestyle Flex
Agricultural Mortgage
Secured Business
Commercial Mortgage

BLUESTONE
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CENTRAL TRUST
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Intermediary Letter

First Charge Mortgages

Second Charge Mortgages
CHORLEY BUILDING SOCIETY
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Buy to Let Mortgages

Fixed Rate Residential Mortgages

Discounted Residential Mortgages

Self Build Mortgages

DUDLEY BUILDING SOCIETY
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Residential Mortgages

Ex Pat Residential Mortgages

Right to Buy Mortgages

Self Build Mortgages

Shared Ownership Mortgages

EQUIFINANCE
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FAMILY BUILDING SOCIETY
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Fair Value Assessment

Owner Occupier Core Mortgages

Owner Occupier Expat Mortgages

Family & Family First Guarantor Mortgages

Joint Mortgage Sole Owner Mortgages

FAMILY BUILDING SOCIETY
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FOUNDATION HOME LOANS
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Lump Sum Lifetime Mortgage

Owner Occupier Offset Mortgages

Retirement Interest Only (RIO) Mortgages

Core Fixed – All Repayment Types

Core Fixed – Capital Repayment Only

FOUNDATION HOME LOANS
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GLENHAWK
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Core Variable – All Repayment Types

Core Variable – Capital Repayment Only

Professionals Fixed

Professionals Variable

Regulated Bridging Product

GREENFIELD
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HARPENDEN BUILDING SOCIETY
Website link

Consumer Duty Blog

Residential Owner-Occupied

Buy-to-Let (BTL), Holiday Let and 2nd Home

Self-Build

Retention for Residential Owner-Occupied, BTL & Holiday Let/2nd Home

KENSINGTON
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BTL HMO/MUB Mortgage Fixed For Initial Term Range

BTL Mortgage Fixed For Initial Term Range

Help to Buy Mortgage Fixed For Initial Term Range

Residential Mortgage Fixed For Initial Term Range

Right To Buy Mortgage Fixed For Initial Term Range

Shared Ownership Mortgage Fixed For Initial Term Range

KENSINGTON
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KENT RELIANCE FOR INTERMEDIARIES
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Residential Mortgage Fixed For Term Range

BTL Tracker Mortgage With Discount For Initial Period Range/p>

Residential Tracker With A Discount For An Initial Period Range

Core

Extra Flex

KENT RELIANCE FOR INTERMEDIARIES
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LENDINVEST
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Income Flex

Shared Ownership

Regulated Bridge Product

Residential Mortgages – Complex Income

Residential Mortgages – Credit Friendly

LENDINVEST
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LIVEMORE
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Residential Mortgages – Key Worker

Residential Mortgages – Qualified Professional

Equity Release – Fixed Term Mortgage Products

Retirement Interest Only Mortgage (RIO)

MARKET HARBOROUGH BUILDING SOCIETY
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Expat Buy-To-Let
Ex-Pat Residential
Holiday Let
Bridging
Buy-To-Let
Residential

MT FINANCE
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NATWEST
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Regulated Bridging

Commercial Mortgages

Green Loans

NORTON HOME LOANS
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OCTOPUS
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First Charge Mortgages

Second Charge Mortgages

Bridging Loans

PEPPER MONEY
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Owner Occupied – 2nd Charge Wholesale
Owner Occupied – 2nd Charge Wholesale Prime & Plus
Owner Occupied – Low Deposit (Purchase and Remortgage)
Owner Occupied – Purchase
Owner Occupied – Remortgage

PRECISE
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RESPONSIBLE LENDING
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Regulated Bridging
Third Party Schemes
Almost Prime
Tiers 3,4 & 5

Equity Release Target Market & Fair Value Statements

SHAWBROOK
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SPRING FINANCE
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Second Charge Consumer Duty Assessment
Second Charge Mortgages
Residential Second Charge Mortgages
Residential Bridging Finance

STEP ONE
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Residential Secured Loans (second charge mortgages)
1st Charge Lending

THE TIPTON
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Family Assist owner occupier range
Later life owner occupier range
Retirement Interest Only (RIO) owner occupier range
Self-build owner occupier range
Shared Ownership, owner occupier range
Owner occupier range

TOGETHER
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Regulated Bridging Loans
Regulated Consumer Buy to Let
Residential Regulated First Charge
Residential Regulated Second Charge

VIDA HOMELOANS
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Regulated Bridging Loans
First Charge Mortgages
Second Charge Mortgages
Residential Mortgages

Buy to Let Mortgages

WEST ONE
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Regulated Bridging Loans
First Charge Residential
Second Charge Residential & Consumer Buy to Let