Legal & General has added the Bank of Ireland’s Bespoke lending service to its tech tool SmartrFit.

Products under the bank’s Bespoke proposition cater for complex residential mortgage cases.

Applications must also meet Bespoke’s standard property criteria, which includes a minimum loan size of £150,000, with homebuyers able to borrow up to 90% loan-to-value (LTV).

SmartrFit will become the only research and sourcing tool to offer advisers access to both the product and affordability calculator for Bespoke. As long as nothing changes throughout the mortgage process, the Bank of Ireland said that its Bespoke’s underwriters will honour the decision made at the agreement in principle (AIP) stage, with the underwriter seeing the case through to offer.

Head of mortgage products and transformation at Legal and General Mortgage Services, Jodie White, said: “I am immensely proud that SmartrFit is the only research and sourcing tool currently offering access to both the Bank of Ireland’s Bespoke product range and affordability calculator.

“I have no doubt that advisers will welcome this latest addition, especially when assisting self-employed applicants or borrowers with particularly complex circumstances.

“We’re in the middle of another transitionary period in the mortgage market, making it all the more important that advisers have access to a wide range of products and services to make informed decisions for their customers. The addition of Bespoke, coupled with recent updates to our tech offering, should go a long way in helping advisers work effectively in our fast-paced market.”

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