Website: Jim Whites
Phone: 01202 312900
With a wide range of off-the-shelf non-status products, a Jim Whites mortgage may well be a cheaper option than other non-status lenders. Definitely a wise move for the self-employed, company directors and other financially stable but traditionally non-status borrowers.
The Jim Whites mortgage service is a fairly unique halfway house between the normal lenders and truly specialist non-status lenders. Unlike the banks, Jim's people will cater for most applicants irrespective of status. Unlike non-status only lenders, there is a wide selection of high street products here, plus it is a clearing-house of low-maintenance non-status funds on offer.
Let me explain that last part- it's an important difference. Most non-status lenders charge more, partly because they are obliged to provide you with a more personalised service. Jim White's has funds which are available to traditionally non-status customers, particularly the self-certified or self-employed, but in the same off-the-shelf fashion as high street lenders. This caters well for current trends in lifestyles, where many of us are responsible for our own incomes but still entirely responsible borrowers.
If you consider yourself to be a good borrower, not a traditional non-status case, but are still having trouble getting a high street loan, then a Jim Whites mortgage would be a good place to start. Be aware that the mortgages on offer do change all the time (these are still specialised funds), and do check their site anyway for helpful advice on e.g. checking your credit rating. An interesting option.
