Our Approach to Mortgages

At Dudley, we work exclusively with brokers to deliver their clients specialist lending solutions tailored to their needs. 

Why choose Dudley?

  • Applications across England and Wales – We pride ourselves on serving our local community, but this does not mean that we are restricted to the West Midlands. We will accept applications across the whole of England and Wales
  • No minimum income – There is no minimum income across our entire product range. However, for Buy-To-Let or Holiday Let mortgages we need to understand that there is enough income to cover any rental voids
  • Multiple income streams accepted per applicant – We accept the following forms of income and more than one can be used per applicant; employed, self-employed, contractors, pension, trust, investment, benefits, foster income
  • No credit score – We do not assess an applicant solely based on their credit score, instead performing credit searches of our own to understand an applicant's credit history
  • Gifted deposits/equity accepted – We will accept gifted deposits from both family and non-family members
  • Capital raising – We can accept applications where the borrower wants to raise funds for a range of purposes including; onwards purchase of a residential or BTL property, home improvements, business ventures and repayment of tax bills
  • Joint Borrower Sole Proprietor – We can also consider Joint Borrower Sole Proprietor mortgages, with a minimum of a 20% deposit required

To apply for a mortgage with us, you'll need to speak to a qualified mortgage broker who can help guide you through the process.

Personalised underwriting

We are dedicated to serving underserved mortgage borrowers, so we have a team of experienced underwriters who manually underwrite mortgage cases. This allows us to make decisions with a human touch, rather than an automated response.

This flexible approach allows us to power the lives of borrowers who may have otherwise been unable to get a mortgage.