MCI Mortgage Club has appointed the Harpenden Building Society to its lender panel.

Harpenden provides individually-underwritten mortgages, with no tick-box credit scoring.

It offers a range of residential and specialist mortgages, covering holiday lets, including Airbnb, self-build (including development to sell or let), residential bridging, guarantor mortgages, products with no early repayment charges (ERCs), and interest-only.

Harpenden lends to people who are employed, self-employed, retired and contractors. It considers many income sources when determining mortgage affordability, including not just salary but also bonus and commission, self-employed income, pension and investment or trust income.

Melanie Spencer (pictured), head of MCI Club, said: “As customer circumstances become more complex, MCI Mortgage Club welcomes those lenders that can offer mortgages to accommodate this ever-changing market.

“Harpenden Building Society’s flexible underwriting approach will be welcomed by our members and makes them a valuable addition to our panel.”

Craig Middleton, mortgage sales & distribution manager at the Harpenden Building Society, added: “We are constantly looking at new ways to increase our access to a wide range of brokers. Partnering and working with MCI Club shows our ambitions to grow our distribution channels.

“We are delighted to join the MCI pane and we look forward to working closely with the team. It is a natural extension of our proposition as we look to support more advisers wanting access to a common-sense, flexible and bespoke approach to lending.”