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If I have a question about my Mortgage application, who should I contact?

If you have a query about a current or new mortgage application, please contact our Customer Relationship team at [email protected] or call us on 0345 849 4040

Do you accept applications from limited companies and limited liability partnerships (LLPs)?

Yes, applications will be considered under our portfolio range from limited companies and limited liability partnerships (LLP) registered and trading in England, Wales or Scotland. Please see our Portfolio lending guidelines and submission requirements for full limited company and LLP criteria.

Do you accept applications from first time buyers?

No, unfortunately our products are not available for first-time buyers.

Do you lend on Houses in multiple occupation and Multi-unit blocks?

Yes, under our portfolio product range. For full criteria, please see our Portfolio lending guidelines and submission requirements.

What is the minimum and maximum age limit for applicants?

An applicant must be a minimum of 21 years of age, and a maximum of 85 years of age at the end of the mortgage term.

Do you have a minimum income requirement?

Yes, applicant(s) should have a minimum combined gross annual income of £25,000. For full criteria, please see the lending guidelines appropriate to your customer. Our Non-portfolio lending guidelines and Portfolio lending guidelines can be found in our documents section.

Is there a minimum loan amount?

Yes, the minimum loan amount (excluding any fees added to the loan)​ is £30,000 and for further advances, it’s £5,000.

What is your maximum aggregate borrowing amount?

For non-portfolio customers a lending limit of £1,000,000 (including any fees added to the loans) will apply.

For portfolio customers a total mortgage exposure per borrower of £10,000,000 (including any fees added to the loans) may be advanced.

Will Paragon consider properties that appear as excluded in your lending guidelines?

Yes, on an individual basis we can refer properties to our Regional Surveying team. Please contact our Customer Relationship team on 0345 849 4040 for more information.

Does Paragon have a standard underwriting documents package?

No. When the application has been reviewed by an underwriter, an email will be sent requesting the specific documentation required to support the case.

How can I amend incorrect information on the online application?

Unfortunately, once you have agreed to the credit search on the online application, you are unable to amend the information you have provided. If the incorrect information has put the case outside of our lending criteria, please call our Customer Relationship team on 0345 849 4040, who will advise the best way to progress that particular case.

I'm currently completing an online application and it has asked me to ring the Customer Relationship team, why?

This could be for two reasons. When completing the credit search it has either been referred or declined, or you have entered something which falls outside of our lending criteria. If this message pops up, then call the number and quote your reference number, and someone will be there to help.

I'm currently submitting a web application and I can't find the save button

Once you have passed the credit check, the system will automatically save your application from the last completed page. To resume, log back in and click through to web applications.

Paragon Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England number 05390593. Registered office 51 Homer Road, Solihull, West Midlands B91 3QJ. Paragon Bank PLC is registered on the Financial Services Register under the firm reference number 604551