Mortgages / Specialist
Specialist Mortgages
Complex situations require experienced brokers. We work with specialist lenders to find solutions for circumstances that fall outside standard high-street criteria.
Situations We Cover
Who is this for?
Self-Employed
Many lenders require two to three years of accounts. We work with lenders who take a more flexible view of self-employed income, including those who accept one year of accounts or SA302 tax returns.
Adverse Credit
A history of missed payments, defaults, CCJs, or a previous bankruptcy does not necessarily prevent you from getting a mortgage. Specialist lenders assess your current circumstances rather than penalising past difficulties indefinitely.
Unusual Property
Non-standard construction properties — including timber frames, steel frames, concrete construction, listed buildings, and properties above commercial premises — can be harder to mortgage. We know which lenders will consider them.
Non-Standard Income
Bonus-heavy income, commission, zero-hours contracts, irregular freelance earnings, and investment income all require lenders who understand how to assess them fairly. We match your income profile to the right lender.
Expats and Foreign Nationals
UK property finance for non-residents, those living abroad, or foreign nationals residing in the UK requires lenders with the appropriate appetite and experience. We have access to specialist products for this market.
Complex Income Structures
Directors drawing a salary and dividends, high-net-worth individuals with asset-rich but income-light profiles, and professionals with multiple income streams all benefit from bespoke underwriting. We present your case to the right lender.
Our Approach
Specialist does not mean impossible
Many people assume that because their situation does not fit the standard mould, a mortgage is out of reach. In the majority of cases, that assumption is wrong. The specialist lending market in the UK is extensive, with lenders who have deliberately built their criteria around complex or unusual circumstances.
The key is understanding which lender is most likely to take a positive view of your situation — and how to present your application in the strongest possible way. That is what we do. We take the time to understand your circumstances thoroughly before approaching any lender, ensuring your case is always presented with clarity and completeness.
If you have been declined elsewhere, or if you are unsure whether your situation qualifies for a mortgage at all, speak to us first. A conversation costs nothing, and you may find your options are wider than you think.
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