Dudley Building Society Residential

Self-employed applicants: Dudley accepts a wide range of income verification for self-employed clients, including just one year of accounts, providing more options for those with less established businesses. 

Expats and foreign nationals: They offer products specifically designed for British expats or foreign nationals looking to purchase property in the UK, accommodating a broader client base. 

Interest-only options: Available across various products, Dudley offers interest-only mortgages, ideal for clients with suitable repayment strategies such as sale of the property or investments. 

Family assist products: Dudley’s family assist range allows family members to help their loved ones with deposits or security, making it easier for first-time buyers to get on the property ladder. 

Competitive loan-to-value (LTV): They provide LTV ratios up to 90% for residential mortgages, a favourable option for clients with smaller deposits, particularly first-time buyers. 

Joint borrower sole proprietor (JBSP): This product allows parents or family members to help younger buyers get on the property ladder without being on the property deeds themselves, useful for affordability support. 

Adverse credit consideration: Dudley is open to applicants with minor credit issues, such as defaults or CCJs, especially if they are older or have been resolved, broadening the pool of eligible clients.