Butterfield Mortgages Limited

BML has operated as a niche mortgage provider, focusing primarily on High Net Worth (“HNW”) and Ultra High Net Worth (“UHNW”) clients seeking various mortgage products within the prime residential market segment, since January 2017. BML’s product offering includes regulated residential and consumer buy-to-let (“BTL”) mortgages, non-regulated residential mortgages including some bridging finance facilities and development finance. BML transfers all the risks and rewards related to its residential loan book by sub-participating all loans with Butterfield Bank (Channel Islands) Limited (“BBCIL”) formerly Butterfield Bank (Guernsey) Limited or with Butterfield Bank (Channel Islands) Limited, Jersey Branch (“BBJ”) until 19 September 2025 when BBJ transferred sub-participated loans to BBCIL.