UR-Mortgage

Democratizing Homeownership Through Collaborative Lending
Multi-Lender Mortgage Solutions for Modern Britain
5
Maximum Participants
No Limit
Loan Size Ceiling
3 Years
Fixed Protection Period

Revolutionizing Mortgage Financing

Traditional Mortgage Challenges
  • Limited lender options with rigid criteria
  • High interest rates for first-time buyers
  • Deposit requirements excluding many buyers
  • Single lender dependency and risk concentration
  • Inheritance tax forcing property sales
  • Limited investment opportunities in property
  • Inflexible repayment structures
  • Restricted access for unstable income earners
UR-Mortgage Innovation
  • Multi-lender collaborative financing model
  • Competitive rates through lender competition
  • Zero deposit options for qualified buyers
  • Distributed risk across multiple participants
  • Inheritance tax mitigation strategies
  • Ticket-based property investment opportunities
  • Flexible variable interest rate structures
  • Inclusive access for stable low income earners

Core Value Propositions

🏦
Multi-Lender Framework
Innovative structure with Lead Lender holding title and up to 4 additional lenders holding tradeable tickets at variable rates, ensuring competitive pricing and risk distribution.
🎫
Tradeable Mortgage Tickets
Lender positions can be traded as tickets, providing liquidity and allowing investors to enter or exit based on market conditions and Central Bank rate changes.
🏠
First Home Buyer Focus
Designed specifically for main home and first-time buyers with or without deposits, providing accessible homeownership opportunities with stable income requirements.
🛡️
Lead Lender Protection
Built-in buyout protection at Monetary Policy meetings or 3-year fixed periods, ensuring all parties can exit while maintaining system stability.
🏛️
Government Participation
Government entities can participate as ticket holders, supporting housing policy objectives while earning returns on public investment.
💰
Inheritance Tax Mitigation
Enables property owners facing inheritance tax to avoid forced sales during economic downturns through strategic refinancing and ticket distribution.

How UR-Mortgage Works

1
Application & Assessment
Buyer applies with income verification; system matches with suitable lender consortium up to 5 participants
2
Lead Lender Selection
Lead Lender identified to hold property title and legal documentation, ensuring clear ownership structure
3
Ticket Allocation
Remaining lenders receive tradeable tickets with variable interest rates based on Central Bank Base Rate plus margin
4
Property Purchase
Funds disbursed for property acquisition with buyer taking occupancy as main or first home
5
Ongoing Management
Regular rate adjustments, buyout opportunities at policy meetings, and ticket trading facilitation
6
Exit Strategy
Buyer maintains ultimate purchase right; ticket holders can exit through trading or Lead Lender buyouts

Market Opportunity

The UK mortgage market valued at £1.8 trillion presents significant opportunities for innovation. With first-time buyer deposits averaging £62,000 and increasing inheritance tax pressures, UR-Mortgage addresses critical market gaps through collaborative lending solutions.

£1.8T
UK Mortgage Market
£62K
Average First-Time Deposit
4.5%
Target Interest Rate

Participant Categories & Benefits

🏡
First-Time Buyers
Access homeownership with or without deposits, competitive rates through lender competition
🏦
Lead Lenders
Secure title holding position with buyout protection and portfolio diversification opportunities
🎯
Ticket Holders
Flexible property investment with Central Bank Base Rate + margin returns and trading liquidity
🏛️
Government Entities
Support housing policy while earning returns on public investment through ticket participation
💼
Wealthy Investors
Diversified property exposure through ticket sharing with competitive returns and exit flexibility
⚖️
Inheritance Cases
Avoid forced property sales during economic downturns through strategic refinancing solutions

Key Features & Protections

📊
Variable Rate Structure
Central Bank Base Rate plus margin determined by ticket holder demand, ensuring market-responsive pricing
🔄
Buyout Protection
Lead Lender buyout rights exercised at Monetary Policy meetings or fixed 3-year periods for system stability
👥
Maximum 5 Participants
Controlled participant structure ensures manageable complexity while maximizing competitive benefits
🎯
Ultimate Buyer Rights
Property occupant maintains ultimate right to purchase, protecting homeowner interests throughout the process
Transform Homeownership Today
UR-Mortgage represents the future of collaborative lending, making homeownership accessible while creating new investment opportunities for the UK market.