A wide range of specialist mortgage products that cater to various needs, including self-build and buy-to-let options.

Generally competitive rates compared to other lenders, particularly for clients with higher deposit amounts.

Decentralized decision-making allows for quick and personalized service from local branch managers.

Higher deposit requirements than some other lenders, which may limit accessibility for some borrowers.

Limited availability, as they do not lend in Northern Ireland and have specific eligibility criteria that may exclude some potential clients.

Mixed customer reviews indicate potential issues with customer service and satisfaction, with some clients reporting negative experiences.