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Making mortgages smarter, faster and simpler for brokers
Welcome to ModaMortgages.
We’re a new specialist mortgage lender making buy to let smarter, faster and simpler for brokers and landlords.
All our processes are designed to help you, and we’re 100% dedicated to the intermediary market. This starts with our willingness to lend.
Our personalised application process is stripped back to the essentials, offering speed of service, saving time for everyone.
With clear criteria up front and a 100% online application, we consistently offer quick processing, backed by a dedicated, straight-talking support team. That means you can always stay on top of cases and keep your clients up-to-speed too.
Buy to let products
Competitive buy to let products for a variety of landlords including small or large portfolios, limited companies, individuals, first-time buyers and first-time landlords.
Save time and use our quick product linked buy to let calculator which includes a background portfolio LTV check.
Criteria highlights
Top slicing gives more affordability options.
Up to 75% LTV.
No minimum income for loans less than £1m (excluding first-time buyers).
We accept a range of property types including houses, flats, new builds and HMOs and MUFBs with up to 6 bedrooms or units.
Applicants can be employed, self-employed, contractors or retired with pension income.
Simple ICRs.
£ for £ remortgage assessed at initial pay rate.
Excellent service delivery on each case
We know your time is precious, so our experienced broker support team are here when you need them through live web chat or on the phone.
Smarter valuations
More certainty earlier with quick decisions and an instant DIP. To speed the process up, subject to eligibility criteria, we’ll complete a desktop valuation for remortgage applications on standard houses.
Placing business with us
If you’re one of our approved packagers, submit a case the smarter, faster and simpler way, with our clear up front criteria, 100% online mortgage application system, quick processing and our dedicated, straight-talking support team.
Smarter…
is sophisticated technology, coupled with a safe and experienced pair of hands. We’re part of a well-funded and UK licensed bank.
Faster…
is clear criteria up front, instant decisions, 100% online, quick processing. We’re here to speed you up, not slow you down.
Simpler…
starts from scratch. No legacy systems. No baggage. New processes built alongside brokers. We’re 100% dedicated to the intermediary market.