Newcastle Intermediaries

Square blue graphic with the Newcastle Building Society logo at the top. Large text reads “Newcastle Intermediaries” with smaller text underneath reading “Specialist Lending Solutions”. The background uses layered blue gradients and wave shapes, while the logo remains in its original green and dark blue colours.

Newcastle Intermediaries: Where Real-Life Lending Meets Adviser Ambition.  When your client doesn’t fit the standard tick-box, Newcastle Intermediaries steps in. They’re not your average lender; they’re your partner in specialist mortgage lending.

This isn’t about mainstream. It’s about real people with real-life financial situations, contractors, self-employed applicants, older borrowers, or those with layered incomes. Newcastle doesn’t filter them out. They find a way through.

Why Advisers Choose Newcastle

  • Flexible Criteria – Manual underwriting that listens, not just scans forms.

  • Family-First Lending – From joint borrower, sole proprietor options to intergenerational support strategies.

  • Self-Employed Specialists – Support for clients with one year’s trading or irregular income streams.

  • Speed with Substance – Digital submissions combined with human decision-making.

  • Broker-Centric – You’re not just submitting a case. You’re building a relationship.

Tech-Ready and Adviser-Focused

Newcastle Intermediaries embraces technology without sacrificing personal service. Their platform enables seamless DIP submissions, but the real magic is their underwriters who speak to you, not scripts.

For networks like ours, that means faster answers, fewer reworks, and smarter use of your time. Looking for a lender that aligns with how real-life clients operate? You’ve found one.

Perfect Fit for Specialist Advisers

If you’re part of a specialist mortgage network or regularly help clients with unconventional profiles, Newcastle Intermediaries is more than suitable, it’s essential.

New or scaling up? Tap into the support for new advisers in our network and start partnering with niche-friendly lenders like Newcastle right away.

Real Lending. Real People. Real Support.

Join the Connect network to unlock lender access that works in real life, not just on paper. Newcastle Intermediaries is one of many forward-thinking lenders we proudly support and recommend.

Great product range with added benefits

Newcastle Building Society is committed to providing its mortgage intermediary partners with excellent service, great products and lending criteria that reflect your customers’ unique needs.

Here are a few key reasons why they are best placed to support you and enhance your customers’ options.

Why Mortgage Advisers Choose Newcastle Intermediaries

Newcastle Intermediaries stands out as a specialist mortgage lender that understands real-world borrower needs. With flexible criteria and underwriter-led decisions, it’s an ideal choice for advisers working with diverse client profiles.

Here’s how Newcastle supports you and your clients:

  • Interest-Only Lending to Age 80
    Clients can borrow on an interest-only basis through to age 80 at the end of the term, with affordability assessed accordingly. This is ideal for older borrowers with pension income or significant assets.

  • Joint Mortgage Sole Proprietor Up to 95% LTV
    Support clients who need family-backed borrowing through Newcastle’s Joint Mortgage Sole Proprietor option, perfect for first-time buyers and those needing intergenerational support. Learn more about this strategy in our new adviser support guide.

  • Large Loan Lending up to £2 Million.
    Tailored solutions for high-earning professionals, with bespoke underwriting and enhanced criteria ideal for clients needing loans over £1 million. A smart fit for those working within our specialist mortgage network.

  • Buy-to-Let Rental Stress Testing
    For 5-year fixed Buy-to-Let mortgages, Newcastle assesses rental income at 145% at 4% on an interest-only basis, offering a more achievable route for landlords and portfolio clients. This can be especially useful for brokers managing complex or layered property cases.

  • Family-Gifted Deposit Accepted
    Helping first-time buyers climb the property ladder, Newcastle accepts gifted deposits from family members, a popular option in today’s affordability-constrained market.

  • Dedicated Underwriters and Common-Sense Lending
    Advisers benefit from a named underwriter who applies real-world judgement, not just a credit score. Newcastle combines manual underwriting with modern tech, making it an excellent match for brokers in our Connect broker network.

Ready to Submit a Case?
For product details, criteria updates, and live rates, visit the Newcastle Intermediaries website. Explore additional broker support and compliance options in our mortgage network overview.

Why Choose Connect as Your Mortgage Network?

Feature How Connect Supports You
Broad Lender Access Including Specialist Panels Whole-of-market access with strong relationships across mainstream, specialist, and niche lenders. From high-LTV residential cases to complex buy-to-let portfolios, Connect ensures advisers are never constrained by lender availability.
Tailored Support for New Advisers A structured onboarding pathway combining compliance guidance, sales training, and mentor-led development. Designed to help newly qualified advisers build confidence, capability, and momentum from day one.
AI-Enhanced Tools and Compliance AI-powered compliance checks, automated CPD tracking, and digital fact-finding tools help reduce admin, speed up processing, and support Consumer Duty requirements.
Flexible Commission Models Multiple commission structures available, including self-employed, AR, and DA options. Advisers can choose the model that best fits their business goals and level of independence.
In-House Case Packaging and Protection Referrals Dedicated in-house teams support complex cases and protection referrals, helping advisers place more business and maximise income opportunities.
Mortgage Adviser Directory for AR Members Appointed Representative advisers benefit from inclusion in Connect’s Mortgage Adviser Directory, increasing online visibility, local search presence, and direct consumer enquiries without additional marketing spend.
Award-Winning Adviser Community Access to adviser forums, lender webinars, conferences, and regular updates. A long-standing community built on collaboration, support, and shared success.
Growth-Focused Infrastructure Whether expanding a firm, going self-employed, or transitioning from another sector, Connect provides the systems, people, and stability needed to scale with confidence.

JOIN OUR NETWORK

Thank you for reading our publication on “Newcastle Intermediaries – Specialist Lending Solutions.” Stay “Connect“-ed.