Lending Partners

Detailed below are the Lenders that we work with. Each has been carefully chosen as a quality product provider to the Adverse/Non-Conforming/Niche lending sectors of the UK residential mortgage market. We work very closely with our Lender partners so as to ensure that we strike the relevant balance between:

• Product pricing and associated lending terms
• Product facilities
• Speedy and reliable lending decisions
• Excellent processes and service
• Top levels of procuration fees

We monitor Lender performance very closely as we recognise that, when you entrust us to package mortgage applications, you understandably expect us to be able to ensure that the Lenders deliver high quality, fast and consistent service.

Oxygen Mortgages prides itself on the quality and accuracy of the mortgage applications that we package on behalf of Lenders. If Lenders fail to meet our reasonable expectations in terms of speed of service and the reliable common-sense application of lending criteria then they are immediately told.

Because we are remunerated on a success fee basis like our Brokers, we recognise that it is in best our interests to prosecute a case as hard as Brokers do!

We are constantly monitoring our Lender Panel but we will only enlarge it if we are convinced that any new Lender partners will add value or extend the breadth of our product range. We want to strike a balance between providing Brokers with the widest possible choice without diluting our very detailed and intimate Lender knowledge.