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.
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.
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.
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.
Marie Kitchener was extremely helpful with a difficult , quite complex case. Marie responded to our questions with understanding, great knowledge and we trusted her advice. The solicitor she recommended was brilliant too. Highly recommend Kerr & Watson.
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Lauren Murray
30 June 2026
Marie Kitchen was absolutely fabulous. We had an incredibly complicated case due to living abroad and a few hiccups along the way. Marie was persistent and helped us to resolve these efficiently. Highly recommend.
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Michelle
8 June 2026
My 2nd time dealing with Kerr & Watson and they didn't disappoint, great service, professional and patient - big shout out to Andreea & Stephen
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Sean Turner
2 June 2026
I had an excellent experience with Kerr and Watson and would happily recommend them.
A special mention has to go to James, who provided exceptional service throughout. He was professional, approachable, clear in his communication and always willing to help. His support made a huge difference, and we genuinely couldn’t have done it without him.
I would not hesitate in recommending K&W to any family or friends.
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Jackie
15 May 2026
Brad was quick with getting me the right mortgage insurance prior to a move abroad. Polite and professional. Also liked that he would call to remind me take any actions if I hadn't responded to emails
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Ade Kunle
1 May 2026
I will always recommend Kerr & Watson to friend and family.
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Minzel 33
23 April 2026
This is my second product with Matthew, securing a BTL for my LTD with the best rate on the market. Once again great support, guidance and smooth process. Highly recommended, knowledgeable team. Reliable service.
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Freya B
14 April 2026
The team at Kerr & Watson were brilliant end to end. Daniel explained everything clearly, was always available to answer questions and helped us secure a great mortgage rate. The mortgage broking service they offer is worth every penny and I'd not hesitate to use them again. Thank you!
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Dean Langton
7 April 2026
Excellent service and very nice people.
Would highly recommend using them.
Awards & Recognition
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Frequently Asked Questions About Paragon Bank
▸ ▾Is Paragon Bank a good buy-to-let lender?
Paragon Bank can be a good buy-to-let lender for the right landlord, particularly where the case involves a rental property, portfolio lending, limited company ownership, an HMO or a multi-unit block.
That does not mean Paragon will be the best lender for every landlord. The right option depends on your property, rental income, deposit, landlord experience, ownership structure, portfolio size and long-term investment plans. Kerr & Watson can compare Paragon with other buy-to-let lenders and explain which route is most suitable.
▸ ▾Do I need a mortgage broker to apply to Paragon Bank?
Many Paragon buy-to-let applications are handled through mortgage brokers and intermediaries. Using a broker can be helpful because buy-to-let lending is often criteria-led, especially for landlords with multiple properties, limited company structures or specialist property types.
Kerr & Watson can check whether your case fits Paragon’s requirements, review the rental calculation and compare other lenders before an application is submitted.
▸ ▾Can Kerr & Watson help me apply to Paragon Bank?
Yes, Kerr & Watson can help with Paragon Bank buy-to-let mortgage applications. We can review your property, rental income, deposit, landlord experience, personal income, ownership structure and wider portfolio before deciding whether Paragon is the right lender to approach.
If Paragon is suitable, we can help prepare and submit the application. If another buy-to-let lender is a better fit, we will explain why and guide you through your options clearly.
▸ ▾Does Paragon Bank offer limited company buy-to-let mortgages?
Yes, Paragon Bank may consider limited company buy-to-let mortgages, subject to their lending criteria and product availability. This can be useful for landlords buying or remortgaging through a special purpose vehicle or limited company structure.
Limited company buy-to-let applications can be more detailed than personal buy-to-let cases. The lender may review the company structure, directors, shareholders, rental income, deposit source and overall affordability.
▸ ▾Can portfolio landlords use Paragon Bank?
Yes, Paragon Bank may be suitable for portfolio landlords. A portfolio landlord will usually have multiple mortgaged rental properties, which means the lender may review both the new application and the wider background portfolio.
Portfolio landlord cases often need careful preparation. Kerr & Watson can help organise the information needed, check the figures and compare Paragon with other portfolio landlord lenders.
▸ ▾Does Paragon Bank offer HMO mortgages?
Paragon Bank may consider HMO mortgages, subject to the property, licensing position, landlord experience and lending criteria at the time of application.
HMO mortgages are usually more specialist than standard buy-to-let mortgages. The lender may look at the number of rooms, tenancy type, property layout, valuation, rental income and your experience as a landlord. Getting advice before applying can help reduce delays and avoid unsuitable lender choices.
▸ ▾Does Paragon Bank offer multi-unit block mortgages?
Paragon Bank may consider multi-unit block mortgages, depending on the property and the lender’s criteria. A multi-unit block is usually a property split into separate self-contained units under one title.
These applications can be more complex than standard buy-to-let cases. Kerr & Watson can review the property structure, rental income and landlord position before advising whether Paragon or another specialist lender is more suitable.
▸ ▾How much can I borrow with Paragon Bank?
How much you can borrow with Paragon Bank will usually depend on the property value, rental income, deposit, loan-to-value, interest coverage calculation and your wider circumstances.
For buy-to-let mortgages, rental income is often a key part of affordability. Kerr & Watson can check the rental calculation and compare Paragon with other buy-to-let lenders to see what may be possible.
▸ ▾Can I remortgage to Paragon Bank?
Yes, Paragon Bank may be an option if you want to remortgage a buy-to-let property. This could be to secure a new rate, raise capital, move from another lender or restructure your property finance.
Before remortgaging, it is worth reviewing the interest rate, product fees, rental stress testing, property value, early repayment charges and your longer-term plans. Kerr & Watson can help compare Paragon with other buy-to-let lenders and recommend the most suitable route.
▸ ▾Is Paragon Bank the best buy-to-let lender for me?
Paragon Bank may be a suitable lender for some landlords, but it will not be the best option for every case. The right lender depends on your property, rental income, deposit, ownership structure, portfolio size, tax position and investment plans.
Kerr & Watson can compare Paragon with other buy-to-let mortgage lenders and explain which option is most suitable. This can help you avoid applying to the wrong lender and give you a clearer route forward.
Common Mortgage Lender Questions
▸ ▾How do I know which mortgage lender is right for me?
The right mortgage lender will depend on your income, deposit, credit history, property type, borrowing amount and long-term plans. Some lenders are better suited to straightforward residential mortgages, while others specialise in buy-to-let, complex income, adverse credit, commercial property or larger loans. A mortgage adviser can compare lenders and help identify which option may be most suitable for your circumstances.
▸ ▾Do all mortgage lenders use the same criteria?
No. Every mortgage lender has its own lending criteria, affordability model, credit scoring system, property requirements and risk appetite. This means one lender may decline an application that another lender is comfortable considering. Lender selection is an important part of the mortgage process.
▸ ▾Why use a mortgage broker instead of applying directly to a lender?
A mortgage broker can help compare lenders, check criteria before you apply and explain which options may be suitable for your circumstances. This can be especially useful if you are self-employed, have complex income, need a buy-to-let mortgage, have previous credit issues or are unsure which lender is likely to accept your application.
▸ ▾Can a whole-of-market mortgage broker access more lenders?
A whole-of-market mortgage broker can review a wide range of lenders and products, including high street banks, building societies, specialist lenders and intermediary-only lenders. This can give you a broader view of your options than approaching one lender directly.
▸ ▾What is an intermediary-only mortgage lender?
An intermediary-only lender is a lender that usually accepts applications through mortgage brokers rather than directly from customers. These lenders may offer products or criteria that are not available by applying directly online or through a branch. A mortgage broker can check whether an intermediary-only lender may be suitable for your case.
▸ ▾Does the lowest mortgage rate always mean the best lender?
Not always. The lowest rate may look attractive, but it is not automatically the best option. You also need to consider lender fees, affordability, criteria, product terms, early repayment charges, valuation requirements, service levels and whether the lender is likely to approve your application.
Yes. Mortgage lenders use different affordability calculators and assumptions. They may treat income, bonuses, commission, overtime, self-employed income, pension income, benefits, debts and childcare costs differently. This means the amount you can borrow may vary significantly from one lender to another.
▸ ▾Can a mortgage lender decline me even if I can afford the mortgage?
Yes. Mortgage lenders do not assess affordability alone. They may also review your credit history, employment type, income structure, deposit source, property type, loan-to-value, age, commitments and overall risk profile. Even if the monthly payment seems affordable, a lender may still decline the case if it does not meet their criteria.
▸ ▾If one lender declines me, can another lender still approve me?
Yes. A decline from one lender does not necessarily mean you cannot get a mortgage. Lenders assess applications differently, so another lender may take a more suitable view of your income, credit history, property or deposit. It is important to understand why the application was declined before approaching another lender.
▸ ▾Do lenders treat self-employed income differently?
Yes. Some lenders use the latest year’s income, while others average the last two years or assess salary and dividends for limited company directors. Some lenders may also consider retained profit, contractor income or more complex trading structures. Choosing the right lender can make a significant difference for self-employed applicants.
▸ ▾Do mortgage lenders accept bad credit?
Some lenders may consider applicants with bad credit, depending on the type, age and severity of the credit issue. Missed payments, defaults, CCJs, debt management plans, IVAs and previous arrears are all assessed differently by different lenders. A specialist lender may be more suitable if you have historic credit problems.
▸ ▾Can Kerr & Watson help me choose between mortgage lenders?
Yes. Kerr & Watson can review your circumstances, compare suitable lenders and explain which options may be available. We can help with residential mortgages, buy-to-let mortgages, specialist lending, complex income, adverse credit, bridging, commercial finance and later life lending, depending on your needs.
