About Y3S

Y3S has been the finance intermediary’s broker of choice for specialist finance solutions since 2001. We have nurtured key partnerships with the UK’s leading specialist lenders over this period and enjoy director level relationships with all of our lenders.

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    Speed Matters

    It’s likely that your client will have wasted time being messed about by a mortgage lender before you pass them to us, so we know that time is of the essence. From our online systems, to our nationwide courier service to our 24 hour commissions, our entire service proposition is based around the fact that speed matters.

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    One hour turnaround

    When you pass your clients details to us, we guarantee we’ll have an answer for you in about one hour. If we need more information from you or your client, before we can make a solid decision, we’ll let you know within that time.

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    Dedicated account manager

    Your account manager will package your case from start to finish so you won’t be passed from pillar to post for answers. They are fully-trained underwriters and the buck starts and stops with them.

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    Lowest rate guaranteed

    Getting your client the right rate for their circumstances is the most important part of our job, and we take it very seriously. We’ll offer them the very best rate possible for their personal circumstances, and that’s a guarantee.

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    Commission & rate match

    We pay very competitive commission to all of our introducing brokers, but if another packager offers you more than Y3S for the same loan product, we’ll match it and send you £50 for your trouble, and we’ll do the same for the interest rate on the loan itself.

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    Simple referral process

    We make it easy to deal with us: just pass us your client’s name and number and we’ll do absolutely everything else for you and your client. You can get also quotes and submit and track your applications 24 hours a day at miloanbroker.com our award-winning loan sourcing system.

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    Nationwide courier service

    When your client has accepted the terms of the loan, we send one of our employed couriers to their home or place of work to help them complete and sign the loan documentation. No missing signatures or incorrect information. They carry mobile scanners to copy passports and other documents on site.

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    Higher conversions

    As the UK’s leading packager we have excellent director-level relationships with our lender panel built through trust over time. Over 50% of our business is completed ‘outside of criteria’ as we make the most of the unique and flexible referral arrangements that we have.

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    24hr commission payments

    We’ll send your commission to your nominated bank account the day after the client’s loan has completed.

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    Intermediaries only

    For 14 years straight, Y3S has only ever accepted business via financial intermediaries just like you. As the largest specialist finance packager in the UK, we know and understand you and your client’s needs better than any other packager. The result? Nobody pays out more specialist loan commission to brokers each month than Y3S.