Paragon Bank

Paragon Bank: Expert Buy-to-Let and Residential Lending

Paragon Bank is a leading specialist lender in the UK, renowned for its expertise in buy-to-let mortgages and bespoke residential lending solutions. Catering to a diverse range of borrowers, including landlords, property investors, and homeowners, Paragon Bank provides flexible products that address the needs of those with complex or non-standard financial situations.

At Kerr & Watson, we work closely with Paragon Bank to ensure our clients have access to these high-quality mortgage products, tailored to suit individual needs and investment goals.

Why do people consider Paragon Bank?

Specialist in Buy-to-Let Mortgages

Paragon Bank is highly regarded for its focus on buy-to-let lending, making it an ideal choice for landlords looking to expand or refinance their property portfolios. Whether you’re an individual landlord, part of a limited company, or managing HMOs (Houses in Multiple Occupation), Paragon Bank offers mortgage solutions that are tailored to your specific circumstances

Flexible Lending Criteria

Paragon Bank is known for its flexible approach, providing mortgage products that cater to those with unique financial situations, including self-employed individuals, first-time landlords, and property investors with multi-unit blocks. This adaptability makes it easier to secure financing, even if you do not meet the traditional criteria used by high street lenders.

Tailored Support for Brokers

Paragon Bank operates exclusively through intermediaries, ensuring that borrowers receive professional advice throughout the mortgage process. By working with Kerr & Watson, you gain access to our deep understanding of Paragon’s lending products and our ability to tailor recommendations that align with your personal or investment strategy.

Commitment to Service

Paragon Bank is dedicated to delivering a seamless experience with efficient underwriting and decision-making processes, like with all lenders we ensure that you receive expert guidance from initial consultation to mortgage completion.

Switching Your Rate with Paragon Bank: What You Need to Know

If your current mortgage product with Paragon Bank is approaching its end, now is the perfect time to consider switching your rate. Paragon Bank offers a rate switch process, enabling you to lock in a new rate without facing additional fees such as valuation or legal costs.

By working with Kerr & Watson, we make the process easy by handling the paperwork and ensuring you secure the best rate available, protecting you from potential market fluctuations and rate increases.

Product Highlights

Buy-to-Let Mortgages

Paragon Bank offers comprehensive solutions for landlords, including options for individual properties, limited companies, HMOs, and multi-unit blocks. Their competitive rates and tailored products may make them a top choice for professional landlords.

Residential Mortgages

Paragon Bank provides flexible residential mortgage products for those with complex income structures, such as the self-employed or those with multiple income streams, ensuring that borrowers with unique financial profiles can still secure the home they need.

Specialist Products

Paragon Bank specialises in lending to landlords and investors with diverse portfolios, offering products designed to cater to a wide range of property investments, from single buy-to-let properties to large portfolios.

Why Contact Kerr & Watson?

Navigating the mortgage market can be challenging, especially when dealing with specialist products like those offered by Paragon Bank. At Kerr & Watson, we simplify the process by providing expert advice and access to Paragon Bank’s tailored lending solutions. Our team of mortgage advisers will work closely with you to understand your financial goals and find the best mortgage solution that fits your circumstances.

Get in Touch

Don’t miss out on the opportunity to benefit from Paragon Bank’s specialist buy-to-let and residential lending solutions.

Contact Kerr & Watson today to speak with an adviser and explore how we can help you secure the right mortgage for your property or investment needs.

The information on this page is not tailored to any individual readers and should not be considered financial advice under any circumstances.

If you are seeking advice about a mortgage, you should speak with a qualified advisor.

Your Mortgage In 3 Easy Steps…

Conversation

Schedule a call to talk to a mortgage advisor about your goals, challenges and vision for your mortgage.

Alternatively give us a call on 01252 224620 or email us on info@kerrandwatson.co.uk.

Research

We will take the information gained on the call and carry out some research before sending you a bespoke recommendation.

If you would like an agreement in principle, we’ll also arrange this for you.

Application

We will submit the full application to the mortgage lender, sending them the documents and liaising with the underwriters until the mortgage has been fully offered on the new interest rate.

We will also communicate with you at every stage, from application to completion.

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Kerr & Watson | Address: Pembroke House, 8 St Christophers Pl, Farnborough GU14 0NH, UK | Phone: 01252 224620 | Email: info@kerrandwatson.co.uk | Hours: Mon-Fri 9:00–17:30

Frequently Asked Questions

▸ ▾ What does a mortgage advisor do?

A mortgage advisor evaluates your income, outgoings, credit history, and other financial commitments. They also assess property-related details, whether you’re buying or refinancing, ensuring you understand the best mortgage options for your situation. They also process the mortgage application to the lender, working with them to obtain a mortgage offer, then work with the conveyancer towards the completion of your purchase or remortgage.

▸ ▾ How does a mortgage advisor enhance the likelihood of mortgage approval?

A mortgage advisor increases your chances of mortgage approval by matching you with the most appropriate lenders, optimising your application, and navigating complex lending criteria to find the best value deal for your circumstances.

▸ ▾ What are the financial benefits of working with a mortgage advisor?

Working with a mortgage advisor can save you from costly mistakes such as choosing the wrong mortgage type or failing to meet a lender’s criteria. Their expertise often leads to securing more favourable mortgage terms and rates.

▸ ▾ Can a mortgage broker get you a better rate?

Often, a mortgage broker can find more cost-effective deals for you, even when their fees are considered, they can review the whole market and access exclusive broker only products that may not be available directly to the public.

▸ ▾ What steps should you take before speaking to a mortgage advisor?

Before speaking with a mortgage advisor, gather all relevant financial documents, including payslips, bank statements, and details of your credit history to ensure an accurate assessment of your situation.

▸ ▾ What range of financial history do mortgage advisors examine?

Mortgage advisors and lenders typically assess the last six years of your credit history to gauge your financial behaviour, this includes any missed payments or defaults.

▸ ▾ How long does it take a mortgage advisor to get a mortgage offer?

The process from application to approval of a mortgage can vary, normally this is anywhere from two to six weeks depending on the mortgage lender and the complexity of your situation.

▸ ▾ Do mortgage advisors have access to exclusive mortgage rates?

Yes, mortgage advisors often have whole-of-market access, which allows them to secure competitive rates, sometimes not directly available to consumers.

▸ ▾ What documents do mortgage advisors typically require?

Advisors typically need proof of identity, proof of address, 3 months payslips, tax calculations or accounts, bank statements, and potentially credit report to fully assess your financial situation.

▸ ▾ What are the advantages of using a mortgage broker rather than going direct to your bank?

A mortgage broker can provide whole of market advice by comparing offers from multiple lenders, potentially securing better rates and terms than a single bank’s offerings.

▸ ▾ Who are the Financial Conduct Authority?

The Financial Conduct Authority (FCA) regulates mortgage brokers and lenders to ensure they adhere to ethical and professional standards.

▸ ▾ How do you know if your mortgage advisor is qualified?

A qualified mortgage advisor should have a Certificate in Mortgage Advice and Practice (CeMAP) or equivalent, which is recognised by the Financial Conduct Authority (FCA). They should also be listed on the Financial Services Register, ensuring they are authorised to give mortgage advice.

▸ ▾ How can you get a free credit report?

Lenders look closely at your credit score to decide how risky it is to lend to you. A good credit score can not only boost your chances of getting approved for a mortgage but might also get you better interest rates.

CheckMyFile offer a 7-day free trial after which a subscription fee applies, which can be cancelled any time.

CheckMyFile is a UK credit reporting service that collates information from the most popular credit referencing agencies, Equifax, Experian & TransUnion.