Specialist Mortgages

Specialist lending is a segment of the mortgage market dedicated to providing alternative home loan solutions to borrowers who are unable to potentially meet the lending criteria set by the normal mortgage lenders.

There are numerous reasons why a borrower may fall into the specialist category and there is no common characteristic that identifies every specialist borrower together.

Our streamlined approach ensures deals are secured quickly and efficiently, and we pride ourselves on offering a personal and bespoke service. We source deals from across the UK mortgage market as a result we have access to a wide range of lenders and exclusive products.

We pride ourselves on being able to provide solutions to your bespoke requirements.  Please contact us and let us work on your future together.

We have a selection of specialist lenders to deal with contractors, freelancers, directors, and other self-employed applicants. We will find you the most suitable financial solution and make sure the process is smooth as possible.

The very nature of self-employed, freelance, and contract work can mean that your income may vary from month to month, and profits can be substantially different from year to year depending on prevailing market conditions and other factors, many of which may be out of your control.

Lenders will take into account such factors as your average monthly income or net profits from your business (or your share of the net profits in the case of a partnership), the sustainability of income and profit trends, your available deposit and your credit score.

A bridging loan is a short term solution that can help you with your property purchase. A bridging loan uses the equity in your property as security for borrowing. It is important to remember that these loans are short term (available for 1 day – 12 months usually) and can be expensive, so should not be taken out for long periods.

Few traditional high street banks now offer bridging loans and they are often provided by specialist lenders. As well as having access to the standard lenders, we often work with private banking contacts to arrange this type of finance. The advantages are better rates, lower fees and more flexible access.

In the most urgent situations, we can often arrange for funds to be available within a matter of days rather than weeks and a bridging loan could be the right option for you if you:

• Purchase a new property but have an existing property to sell, or your sale has fallen through
• Purchase a property at auction
• Develop a property
• Refurbish or renovate a property, or buy a dilapidated property
• Purchase a buy to let property
• Extend a lease

For more information about our specialist mortgage services or to arrange a consultation, please contact us by telephone, email, or by completing the callback form.

Schedule an online appointment with us using our bookings page

Your home may be repossessed if you do not keep up repayments on your mortgage or on any loans secured on your property