All our customers benefit from a unique, bespoke, private banking experience so when you place a case with us, you can be assured your client will be in safe hands. We‘ll work with you to help your clients get the solution that's right for them, whether their situation is complex or straightforward. All aspects of any application are handled by the same team and you’ll always be able to contact them directly.
Handelsbanken for intermediaries
Helping you to help your client
Welcome to Handelsbanken
The Handelsbanken difference
- All cases are manually underwritten
- You have direct access to the decision makers, locally
- We’ll make decisions quickly for you, even if we can’t help
- Our products are flexible with a mortgage range that includes: offset mortgages, trackers free from early repayment charges and residential development loans
- We take the time to understand cases with complicated income streams, including retained profits, rental income, directors’ loans and pensions
- We’re able to consider unusual property types, including Grade II Listed, holiday homes and those with large acreage
*Considered on a case by case basis*
Our products
Fixed rate products
We offer a range of fixed rate mortgages for customers who want the certainty of paying the same amount each month, during that fixed rate period. We do allow 10% overpayments per year, however we do apply early repayment charges.
Tracker mortgages
We provide a variety of tracker products from the Bank of England base rate, along with the Handelsbanken Standard Variable Rate.
Offset mortgage
Our offset product provides customers with greater flexibility when it comes to managing their money and repayments. The mortgage is linked with a Handelsbanken savings and/or current account and those balances offset the amount of interest we charge on the mortgage.
Residential development loan
We offer development loans for a variety of circumstances such as:
- purchasing a property with the intention of demolishing some or all of it, to build or extend a home
- purchasing or developing land to build a new home
- undertaking significant extensions and renovations where planning permission is required.
Foreign currency mortgages
Our foreign currency mortgages are only available to UK residents and in Sterling. It’s solely used for first charge lending, that’s secured for UK residents against a UK residential property. We’re able use income and/or assets to repay the loan in the following currencies:
Euro
DKK (Danish Krone)
NOK (Norwegian Krone)
SEK (Swedish Krona)
USD (US Dollars)
(or a combination of these)
Lending criteria
Here’s our high level lending criteria, a more detailed view can be found in our Mortgage criteria summary (pdf)
Opens in a new window. We assess each case on an individual basis, so we’ll always be happy to discuss any case with you.
- The client must be aged 18 or over
- The maximum applicants is 4
- We lend on properties in England, Wales and Scotland only
- No minimum income requirements
- The minimum term is 1 year and the maximum is 35 years or to age 80 (depending on method of repayment)
- We offer up to 75% LTV on our Standard Matrix and 85% LTV on the Standard Plus Matrix
How to get in touch
If you’re interested in working with us or would like to discuss a case, contact your local branch here.
Resources
Documents your client needs to complete
Intermediary use only
This website is for the use of mortgage intermediaries only.
All other individuals looking for information should visit the mortgages pages at www.handelsbanken.co.uk/mortgages
If you reproduce any part of the information contained in this communication, to be used with or to advise clients, you must ensure it conforms to the Financial Conduct Authority's advising and selling rules. It's your responsibility to ensure that the information you're using is the most up to date in line with our most recent communications to professional mortgage advisors. If you're unsure that you are using the correct versions, please check with our intermediary support team.