Mortgage criteria can be easy to misremember. 

So, before you rule out a case, here are a few Perenna criteria points worth checking. 

Can a client use a loan for their deposit? 

Yes. 

Perenna accepts loans for deposits, subject to affordability and our lending criteria. 

Has a missed payment automatically ruled out the case? 

Not necessarily. In some circumstances, a single missed payment or historic credit issue may still be acceptable. 

Check the current adverse credit criteria for the details. 

Can the product fee be added to the mortgage? 

Yes, in some circumstances. The product fee can be added to the loan where the total LTV does not exceed 95% and the total loan remains affordable. 

Other fees cannot be added to the loan. 

Does existing debt still count if the client plans to repay it? 

No. But, all commitments, regardless of whether they are to be repaid or remain post completion, should be entered into the mortgage application. Debts marked as to be repaid will be excluded from the affordability calculation. 

Can a customer move home with a Perenna mortgage? 

Yes, subject to assessment and valuation. 

Perenna mortgages are portable, so customers can move home and take their mortgage with them, subject to the relevant checks. 

Can’t find the answer in our criteria? 

Ask us. If you have got a complex case or can’t find what you need, contact our Intermediary Support Team. 

It’s better to check than rule out a case based on an assumption. 

Keep checking 

Criteria can change, so check the latest position before submitting. 

View Perenna’s Lending Criteria 

Use our calculator 

Perenna lending criteria applies to new applications only. All applications are subject to affordability checks, credit searches, underwriter assessment and a valuation of the property to be mortgaged. Perenna reserves the right to update and amend its criteria at any time. Meeting the stated criteria does not guarantee that Perenna will lend. 

Correct at time of publishing. 

We are thrilled to announce that Perenna has completed the integration of Scroll Finance. 

Scroll was built to bring a modern approach to the mortgage market, a vision that aligned closely with Perenna’s. Its product range includes second-charge mortgages for buy-to let-investors, including both 2 and 5-year home equity loans, home equity lines of credit, and multi-property loans. 

Scroll will remain a separate brand focused on second charge lending. 

The move also supports our plans to launch first charge Buy-to-Let later this year. 

What this means for brokers? 

Bringing Perenna and Scroll together gives us more scope to create new lending solutions for brokers and their clients. 

As our offering grows, brokers will have more ways to support their clients. 

We will share more about first charge Buy-to-Let when it launches. 

Mil Consiglio joins Perenna 

Mil Consiglio is joining Perenna as Head of Sales. Mil will work with our broker network and help promote our broadening proposition. 

Ashish Kashyap, Deputy CEO and Chief Commercial Officer, said: 

“Perenna was founded to bring innovation and competition to the UK mortgage market, and it has had significant early success. As the business matures, we have the opportunity to diversify into segments of lending where borrowers and brokers continue to be underserved.”  

“Bringing together Perenna and Scroll’s complementary expertise gives us a strong platform from which to accelerate that ambition. Scroll brings established expertise in second charge lending, while our planned entry into first charge Buy to Let will further broaden the solutions we can offer.” 

“Mil joins us at an exciting point in that journey. His experience and relationships across the mortgage market will be invaluable as we strengthen our engagement with brokers, build awareness of our expanding proposition and pursue the next phase of our growth.” 

Mil Consiglio, Head of Sales at Perenna, added: “Perenna has a clear ambition to grow its presence in specialist lending, and the combination of Perenna and Scroll gives us a strong proposition to take to the broker market.” 

“My focus will be on supporting the continued evolution of our proposition, ensuring we deliver excellent outcomes for customers and equip our distribution teams with the solutions, processes and support needed to serve the broker market effectively. With first charge Buy- to-Let to come, we have a real opportunity to broaden our reach and help more customers meet their borrowing needs.” 

For professional intermediaries only.

Correct at time of publishing.

Openwork advisers can now access Perenna’s range of prime residential mortgages, giving them more options to support their clients. 

Our mortgages can help advisers support more clients with: 

• Increased borrowing power – up to 6x income, subject to criteria. 

• No ERCs when selling on our 5, 7, 10 and 15-year fixed rate products. 

• No maximum age limit – helping support a wider range of borrowing needs. 

• Flexible underwriting for more complex cases, subject to criteria. 

• New build lending up to 95% LTV on houses, with developer deposit contributions accepted, subject to criteria. 

We look forward to working with Openwork advisers and helping them support more clients with flexible mortgage options and great service. 

For professional intermediaries only.

Correct at time of publishing.

We’re delighted to have been named Best Mortgage Industry Newcomer at the What Mortgage Awards 2026. 

This award is a fantastic recognition of everything our team has achieved over the past year. From launching innovative products to supporting brokers and helping more people access homeownership, we’ve remained focused on building a bank that’s designed around real life. 

A huge thank you to our colleagues, broker partners and customers for your continued support, and congratulations to all of this year’s finalists and winners. 

We’re incredibly proud of this milestone and look forward to continuing to make homeownership simpler, more flexible and more accessible.

For professional intermediaries only.

Correct at time of publishing.

Rates move. Headlines change. Clients notice quickly. 

What they need isn’t urgency, it’s clarity. 

What clients are experiencing 

In changing markets, clients are often: 

• unsure whether to act or wait  

• concerned about affordability  

• worried about rising payments  

This is where clear, practical guidance matters most. 

Moments like this highlight the value of advice. 

Brokers help clients: 

• understand their options  

• avoid rushed decisions  

How Perenna supports your cases 

We focus on helping you place cases with confidence. 

Key features: 

• Fixed rates from 5–15 years  

• Up to 95% LTV (where criteria allow)  

• 10% annual overpayments  

• No ERC on sale or move (subject to criteria)  

Designed to support: 

• Help to Buy exits  

• Higher-LTV remortgages  

• Clients with complex or non-standard profiles  

Why it matters? 

When markets shift, the goal stays the same – to help clients stay in control 

Flexible, longer-term options can: 

• reduce uncertainty  

• support planning  

• avoid unnecessary churn  

Markets will always change. 

Clear criteria, flexible products, and practical support help you keep clients on track – whatever happens next. 

Speak to the team or explore our range. 

For professional intermediaries only.

Correct at time of publishing.

The session focused on one key question – How do you give clients certainty without locking them in? 

The webinar addressed common broker challenges, such as: 

• Positioning medium-term fixes 

• Simplifying advice conversations 

• Maintaining flexibility for clients 

Janet and Graham shared live case examples showing how the 5-year fix supports clients who want: 

• Payment certainty 

• Flexibility if circumstances change 

• An alternative to short- or long-term commitments 

During the q&a, brokers also asked practical questions about: 

• Early repayment charges 

• Overpayments 

• Affordability 

• Foreign national criteria 

Each point was answered clearly, with practical guidance brokers could use straight away. 

Feedback was positive, with attendees praising Graham and Janet for their practical, case-focused approach. 

Missed it? Clips and highlights will be shared on LinkedIn. 

You can also explore Perenna’s full product range or speak to our Business Development & Intermediary Support team about current cases. 

Look out for future Perenna Live sessions coming soon.

Correct at time of publishing. 

Perenna has been named Best Newcomer and Best Relationship Management at the Smart Money People Awards! 

These awards are based on real broker feedback, making them especially meaningful to us. 

What the brokers said matters most: 

• Clear and consistent communication 
• Strong support from Business Development, Intermediary Support and underwriting team 
• A relationship-led approach 

Brokers also praised our practical lending approach and long-term fixed rates, which give clients confidence and stability. 

At Perenna, strong partnerships make placing cases easier and help us support brokers every step of the way. 

We are grateful to all brokers who shared their feedback and continue to work with us. Your insight helps us improve, evolve, and keep delivering what matters most. 

Keep an eye on our LinkedIn feed, where we will be sharing some of the fantastic feedback we received. 

Correct at time of publishing. 

We are pleased to announce a new 5-year fixed mortgage in our range.

This gives brokers another flexible way to support clients.

Features:
• 5-year fixed rate, followed by the Perenna Reversion Rate (PRR)
• Rates starting from 4.68%
• 10% annual overpayment allowance
• Flexible ERCs – no charges if your client sells, moves, or repays with their own funds
• Up to 6x income at 95% LTV, no maximum age (subject to criteria)

This new product gives you another option to help clients access flexibility with structure. Alongside our 7, 10, and 15-year fixed products, Perenna continues to provide simple, transparent long-term solutions.

You may have spotted it on our socials – on 27th November, our team joined advisers, business owners, and introducers at the ICC in Birmingham to celebrate 25 years of Mortgage Advice Bureau at the MAB Conference. 

It was a busy day full of insight, learning, and conversations about the future of mortgage advice. 

Advisers visited stands, caught up with lenders and providers, and joined quick seminars on the trends set to shape the intermediary market in 2025. 

Our team spent the day with advisers, showing how Perenna’s 7–15 year fixed-rate mortgages give clients certainty and flexibility. Long-term stability is still a top priority for brokers and their clients. 

Our branded giveaways were a hit, with stress balls and playing cards flying off the stand first – proving that a little fun goes a long way in starting conversations! 

And then there was our balloon walkaround. It didn’t just turn heads – it got people talking! It was the perfect way to spark conversations and showcase Perenna’s bold presence across the venue (watch this space on LinkedIn for more highlights)! 

John Davison, Head of Product, Proposition & Distribution, said: “It was a great chance to reconnect with advisers and see how our long-term fixed solutions can support their clients. The demand for certainty and flexibility has never been higher.” 

Our three key takeaways 

1. 1. Certainty is top of mind
   Brokers are seeing clients demand long-term stability. Solutions like Perenna’s 7–15 year fixed rates help clients reduce risk and plan with confidence, giving you a clear value proposition to highlight. 
2. 2. Innovation drives the market
   Advisers are embracing flexible products and fresh advice models. Staying ahead with innovative solutions can help you stand out and better meet client needs. 
3. 3. Partnerships matter
   Face-to-face conversations proved the power of collaboration. Strong relationships with lenders and providers make your advice more relevant, and your clients’ outcomes stronger. 

Thank you to everyone who stopped by our stand, shared feedback or took the time to learn more about Perenna’s products. 

If we didn’t get a chance to catch up with you on the day, we would still love to speak with you! Find out how Perenna’s long-term fixed-rate mortgages can help you support clients: Contact Us | Perenna Brokers 

For professional intermediaries only. 

We are pleased to share that Perenna has been recognised once again at the 2025 Personal Finance Awards, one of the industry’s most trusted consumer-voted programmes. 

This year, we are proud to have been named Best Remortgage Lender for the second year in a row. 

This award reflects the trust borrowers place in our long-term fixed rate mortgages, and the strong partnerships we have built with brokers across the UK. Your support helps us deliver more certainty, flexibility and confidence to homeowners. 

We remain committed to supporting the intermediary community and working with you to create a nation of happy homeowners. We are excited for what is ahead. 

Thank you for being a vital part of our journey. 

Correct at time of publishing.