Market Harborough Building Society has expanded its lending footprint to include properties in Scotland, extending its specialist mortgage and regulated bridging offer beyond England and Wales.
The mutual said the move marks a significant milestone in the development of its specialist proposition, with lending now available on properties in central Scotland.
Already established among intermediaries in England and Wales for its specialist residential lending and bridging finance, the society said its approach will remain unchanged north of the border, with an emphasis on common-sense underwriting and direct access to decision-makers.
The Scottish proposition is aimed at borrowers with both straightforward and more complex circumstances, including those with non-standard or multiple income sources, complex or unusual property types, joint borrower sole proprietor and multi-generation arrangements, borrowing into retirement, expats and high net worth clients, as well as regulated bridging cases where multiple complexities are present.
Iain Kirkpatrick, chief executive at the Market Harborough, said: “Brokers, including those based in Scotland, have consistently told us they want more choice, flexibility and more lenders who take the time to understand complex cases.
“Expanding into Scotland is a natural next step for us, and launching around Burns Night feels especially fitting because it’s a moment that celebrates heritage, community spirit and shared values.
“We’re excited to bring our passion, purpose and people-first approach to Scotland, supporting even more brokers and their clients with the same expertise and personal service we’re known for across England and Wales.”
To support the launch, the society has introduced dedicated BDM support for Scotland, alongside tailored guidance for brokers operating in the region. It continues to operate a daily credit committee designed to assess cases on their individual merits, with brokers retaining direct access to underwriters.
In Scotland, the society will offer residential lending and regulated bridging finance from £200,000 to £5 million, up to 80% loan-to-value, with up to four applicants or incomes permitted. Pricing will sit within a tiered mortgage range, based on overall case complexity.
