We’re a national lender and not postcode restricted. We’re based in Barrow-in-Furness in Cumbria but we lend to customers and work with intermediaries from all over England, Scotland and Wales.

New intermediaries to Furness can register here. Once registered, you’ll receive a personalised dashboard where you can track applications in real time and receive updates as the application progresses.

We'll respond within 24 hours, Monday to Friday.

We only complete a soft credit search when making a Decision in Principle. This means your client can find out if they will qualify for a mortgage with us without it affecting their credit score.

We'll respond within 24 hours, Monday to Friday.

No, we don’t use a scorecard. All our assessments are based on a client’s unique and individual circumstances.

Yes! Our flexible and bespoke approach to underwriting means we can consider those with complex or multiple income streams - and this often sets us apart from other lenders.

Customers are assessed on individual merit by a real person, so their overall financial situation can be taken into account.

No, we no longer accept paper submissions. Mortgage applications must be submitted electronically via our website once you have registered with us. You can download the Intermediary Mortgage Application Form here should it help you when gathering information from the customer but you’ll need to input the information you gather electronically.

If we’re not on the panel of your mortgage club or network, you can submit an application to us directly. However, you may require authorisation from your network or mortgage club in order to do so.

You’ll find the average app-to-offer time on our home page and we update should it change.

We'll respond within 24 hours, Monday to Friday.

Your first port of call should be our Business Development team. We have Business Development Managers covering the length and breadth of the country, as well as an office-based team.

98% of calls to our Furness for Intermediaries team are answered within 20 seconds and you may find the live chat function on our website helpful too. This is monitored and responded to by our BDMs so you can receive instant and accurate answers to your questions. You’ll find no chatbots here at Furness!

Yes, we recommend speaking to one of our BDMs at the outset. They can often help expedite your case and will work with you to identify any potential issues up front. This prevents many applications from being declined.

Yes. If your client’s mortgage is coming to an end, you can transfer to a new product quickly and easily to us and earn a procuration fee.

Your customer will need to request that you carry out the switch on their behalf and give you their unique switch number. This can be found along with their mortgage account number in the maturity information pack we send them three months before their mortgage product is due to expire. More information on the steps you’ll need to take can be found here.

We’ll use the UK House Price Index rather than carrying out a valuation and no credit checks will be required

We apply the same flexible and bespoke approach to underwriting when calculating affordability for Holiday-Let mortgages. This means we can often consider applications that other lenders cannot, including those involving complex and multiple income streams.

Within our criteria, we also welcome applications when the owners intend to use AirBnB to let their properties. You’ll find more information about our Holiday-Let mortgages here.

Please speak to our Business Development team if your customer is moving home and needs to port their current mortgage product over to a new property. We can also consider additional finance requirements in this situation too.

We work with Connells for all our property valuations and surveys. We take a day one valuation approach for all mortgages which means instruction is sent to Connells on the first day of the application process. This is with the exception of Holiday-Let, Buy-to-Let or Self Build when valuation is instructed once the mortgage has been underwritten and the fee paid. Valuations are usually free for remortgage customers.

We have a large panel of solicitors. Please contact our broker administration team if you would like to check if your customer’s solicitor is on our panel.

We understand there are occasions when a customer’s financial situation can change prior to them completing the purchase of their home. In these circumstances, please speak to one of our BDMs who will liaise with the underwriting team to see what we can do to help.