United Trust Bank
United Trust Bank (UTB) is a specialist bank providing a wide range of funding facilities for individuals and businesses. Their property finance division offers bridging loans, development finance, and specialist buy-to-let mortgages, with a focus on non-standard cases.
- Specialist in bridging and development finance
- Also offers specialist BTL mortgages
- Experienced underwriters

4.5(1,295)
United Trust Bank HMO Rates
£
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Borrower Criteria
Acceptable Borrowers
individual
limited Company
llp
offshore Company
Experience Requirements
First-time landlords accepted
Property investment experience required
Experience is required for most products, particularly development and complex BTL.
Credit Requirements
Adverse credit considered
Will consider applicants with minor adverse credit on a case-by-case basis.
Age Requirements
Minimum age: 18 years
Maximum age: 85 years
Application Channels
Accepts intermediary applications
Accepts direct applications
Source Information
Profile last updated: 6/14/2025
Status: Published
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