United Trust Bank Completes Week of Service and Criteria Enhancements Across its Residential and Second Charge Ranges

27 March 2026

United Trust Bank (UTB) Mortgages has wrapped up a week of significant service and criteria enhancement announcements across its residential mortgage and second charge loan range with all the changes designed to simplify and accelerate application to offer journeys for brokers and customers.

This week the specialist mortgage lender announced:

Consent to Follow Introduced for Second Charge Loans
UTB now progresses Second Charge applications to completion with Consent to Follow accepted where the first charge is with one of 20 listed lenders. This change removes one of the most common delays in packaging and means customers can complete faster without waiting for first charge consent upfront.

Historic Adverse – No Explanations Required
Written explanations for historic adverse are no longer needed for UTB’s Super Prime, Prime Plus or Prime applicants — reducing back and forth and accelerating underwriting.

Additional BTL Properties – Clearer Assessment
We are now only verifying 50% of the BTL portfolio in a personal name.

New Build – Re Inspections Removed (Where Valuation Figure Provided)
Where a valuation report includes a valuation figure, UTB is now happy to rely on the New Build Warranty certificate, removing cost and delay associated with re inspections.

Also unveiled was a new streamlined Accountants Certificate document reduced from five pages to two and enhancements to bonus income assessments, applicants in probation criteria, post benefit affordability and Deeds of Consent / Occupiers Waivers.

More information can be found in the Product Guide HERE

Andrew Ferguson, Commercial Director of Mortgages, BTL & Bridging at United Trust Bank said:

“We’re making the things that slow brokers down disappear. These changes are all about giving brokers greater clarity, consistency and confidence from the outset — so cases move more smoothly from application through to offer.

“By reducing unnecessary packaging requirements, simplifying documentation and creating more predictable underwriting outcomes, we’re helping brokers spend less time chasing and more time progressing and originating business. Ultimately, it means faster journeys, better experiences for customers and a product range that works harder for the intermediaries we support every day.”