Find out if Axio Mortgages is one of the best debt consolidation mortgage providers in 2025.
- Get a free, no-obligation home valuation.
- 4.27% APR with fixed monthly repayments
- Ideal for consolidating debts
- A direct lender with no need to pay fees to a mortgage broker
- Your income does matter, your credit rating does not
- No early repayment charges
- Axio Mortgages provide expert mortgage advisers most lenders charge for
- Up to 95% loan-to-value
Please complete the form below to get a free in-principal decision with no hard credit search.
In the past, getting a mortgage was often difficult for people who weren’t on a company or state payroll.
Lenders were wary of providing a mortgage to contracted workers, the self-employed, or anyone in a Standard-salaried position and found it difficult to provide proof of a fixed, regular income.
Today, even more people are on short-term contracts, self-employed or freelance. As the workforce has had to adapt to change, so too have lenders, and many now offer the choice of a Standard-status mortgage. A mortgage can be ideal for standard-salaried workers to secure the funds needed to buy a house.
With a standard mortgage, the borrower must declare they can afford to service the mortgage, and they do not need to provide proof of income in the form of bank statements or company accounts.
They will have to sign a statement of earnings, and the lender will check credit records and may ask for references from a previous lender. In today’s working environment, a Standard-status mortgage can be a good option, and finding a competitive rate is much easier than it once was.
Standard Mortgage Lenders in 2025
For independent advice on standard mortgages, contact us at our London phone number, and we’ll do our best to find you the best deal.
More options for the removal of home equity
Maybe under 50 equity release could be an option for your depending on your circumstances. Secured loans for bad credit and remortgages for people with bad credit are also realistic options.
Some lenders we have in our panel include:
Santander Equity Release Schemes
Coventry Building Society
Halifax
HSBC
Lloyds
Nationwide
Natwest
RBS
TSB
Yorkshire Bank
Yorkshire Building Society
Traditional Lenders’ LTI ratios and debt consolidation mortgage lenders criterior
LTI is the loan-to-income ratio. Ravenwood has a lender that will consider six-times-salary mortgages and remortgages for people with good credit histories.
Not keen on paying hefty fees – Standard Mortgages or debt consolidation remortgage?
Ravenwood has agreements with lenders that do remortgages with no fees. Many brokers offering bad credit remortgage the UK like to charge a minimum fee of around £1495. Ravenwood doesn’t do this!
Do you have a tier 2 visa and need to consolidate debt?
Ravenwood has a surprisingly large number of lenders which will lend to tier two visa holders at near-mainstream interest rates.
- Ortus Northern Ireland Bridging Loans
- Walmoor Capital
- Castle Trust Mortgages
- Zorin Short-Term Loans
- 6 Times Income Mortgage
- Santander Lifetime Mortgages
- Homeowner Loan
- House Valuation For Remortgage Deal
- Halifax Equity Release
- West One Secured Loan Rates
Debt Consolidation Mortgage Providers
There are some new Debt Consolidation Mortgage Providers in 2025 with free mortgage advice to consolidate debts like personal loans,
- Debt Consolidation Loans
- Santander Mortgage For Tier 2 Visa
- Precise Second Charge
- Self-Employed Remortgages With 12 Months Accounts
- Optimum Credit Home Owner Loan
- Precise Mortgage Buy To Let Deals
- Rbs Bridging Finance
- Semi Commercial Mortgage Halifax
- Vida Second Charge
- Best Remortgage Deals Uk
- Masthaven Secured Loans Uk
Are you sick of your unsecured debt?
If you have unsecured loans, and other debts at an interest rate with high monthly payments, you could repay debts like this with a mortgage deal from your existing lender to repay your unsecured borrowing.
- Remortgage House To Pay Off Debts
- Secured Loan Direct Lender
- Masthaven Bridging Finance
- Natwest Bridging Finance
- Homeowner Loans For Poor Credit
- Rbs Interest Only Lifetime Mortgages
- 95 Buy To Let Mortgages
- Non-Status Bridging Loans
- Equity Release Under 55
- Remortgaging A Buy To Let
- Legal And General Equity Release Adviser
- Commercial Property Development Finance
- LendInvest Criteria
Metrobank Secured Loan
NatWest Bank Secured Loan
No Broker Fees Secured Loans
HSBC Bank Bridging Loans
Starting 1st January 2025, Ravenwood Services can offer Standard-status mortgages with a very high approval rate.
- £379 Lenders fee and no broker fees
- Up to 85% LTV (Loan to Value)
- Rates 1.69% above the Bank of England base rate (variable)
- Residential Remortgage or Residential Property Purchase
- Leasehold or Freehold properties including flats above shops
- The lender has limited funds to lend so please inquire quickly
Co-operative Bank Secured Loan
Halifax Secured Loan
Barclays Bank Secured Loan
Lloyds Bank Secured Loan
No Broker Fees Secured Loans and Standard mortgage providers uk
Interest Only Buy to Let Mortgages
Remortgages from Ravenwood Services
High Loan to Value Buy to Let Property Mortgages
Unsecured Debt Consolidation Loans
Debt Consolidation Loan No Guarantor
What is a Standard mortgage?
A Standard mortgage is a mortgage loan underwritten with no proof of income.
Do Standard mortgages still exist?
Yes, they still exist. A Standard borrower can get the funds they need.
Can you still get Standard mortgage?
Yes, in 2025, overseas lenders will offer this type of finance. The Standard mortgage calculator can help you. You can also get a Standard status interest-only mortgage.
Do debt consolidation mortgages have higher rates?
No, not necessarily; they have rates very similar to normal mortgages. Some debt consolidation remortgages have no fees and allow you to pay off your remaining mortgage balance.