Sesame has added Handelsbanken to its lender panel, giving advisers access to a bank known for its personalised service, flexible underwriting and case-by-case decision-making.
Handelsbanken’s relationship-based model means mortgage applications are handled locally, with decisions made by staff who have detailed knowledge of their clients’ circumstances.
Advisers will gain direct access to decision-makers, manual underwriting on all cases, and a range of products including offset mortgages, trackers without early repayment charges, and residential development loans.
The bank’s approach to affordability takes account of multiple income sources such as retained profits, pensions and directorships. It also lends on a wide range of property types, from listed buildings and holiday homes to mixed-use properties and those with substantial land.
The partnership makes Sesame one of the first network partners for Handelsbanken, reflecting adviser interest in the bank’s distinctive proposition and Sesame’s efforts to broaden choice for its members in an increasingly competitive market.
Toni Smith, distribution and marketing director at Sesame, said: “We’re thrilled to welcome Handelsbanken to our lender panel. Their proposition enables them to serve a range of customers, including those who sit between high street banks and specialist lenders, offering advisers a valuable option for clients who don’t fit the mould.
“As a Proactive Partner for Life, we’re focused on helping advisers deliver great outcomes and build long-term value in their businesses, and this partnership is a strong step forward in that mission.”
Steve MacDonald, national head of intermediary business at Handelsbanken, said: “We’re excited to be partnering with Sesame and making our mortgage offering available to their advisers. Our focus on long-term relationships and local decision-making means we can support a wide range of client needs.
“We take the time to understand each case, and our flexible approach allows us to offer the right product at the right rate whoever the customer is, including those with complex income, unusual properties, sustainable ambitions – or who just value our personal approach.”
