United Trust Bank
Specialist LenderUnited Trust Bank is a long-established specialist lender providing bridging finance, development funding, buy-to-let mortgages, and second-charge loans. With decades of experience, UTB combines traditional banking relationships with a flexible, case-by-case approach to complex lending scenarios.
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Lending Focus
United Trust Bank offers mortgage products across 5 categories including Buy-to-Let, Bridging, Development and 2 more.
Key Features
- Bridging loans from £150k with flexible terms
- Development finance for ground-up and refurbishment projects
- Second-charge lending for additional capital requirements
- Rapid decision-making with experienced credit team
- BTL products for professional landlords
Pros & Cons
Pros
- Over 60 years of lending experience and market knowledge
- Rapid decision-making with experienced credit team
- Offers bridging, development, BTL, and second-charge in one place
- Flexible terms on larger and more complex transactions
Cons
- –Broker-only — not accessible directly
- –Higher minimum loan size of £150k limits smaller deals
- –Does not accept contractor income
Fees & Charges
Arrangement Fee
Typically 1.5–2% of the loan amount
Valuation Fee
Varies by property value — instructed upon application
Early Repayment Charge
No ERC — interest is typically charged for a minimum period of 3 months
Overpayment Allowance
No restrictions — can repay at any time
Mortgage Rates
Rate data coming soon
We're working on adding live mortgage rate information for United Trust Bank. In the meantime, visit their website for the latest rates.
View rates on United Trust BankApplication Process
Processing Time
2–3 weeks from application to completion
Online DIP
No — via broker or branch
Offer Valid For
6 weeks from date of offer
Lending Criteria
Maximum LTV
75%
Frequently Asked Questions
What is the minimum bridging loan amount with United Trust Bank?
Does United Trust Bank lend for development projects?
Can I get a second-charge bridging loan from UTB?
How long does UTB take to complete a bridging loan?
How to Apply
Broker Only
United Trust Bank products are only available through mortgage brokers. Use our broker directory to find a broker with United Trust Bank on their lender panel.
Contact Information
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.