Specialist Lending

Straightforward mortgage applications are becoming increasingly rare, which is why we are seeing rapid growth within the specialist residential sector. We know that many people do not fit mainstream lending criteria for a variety of reasons and our objective is to meet the needs of our clients through a range of innovative products, via our comprehensive lending panel. It can be time consuming to search a market you’re not familiar with to ensure you’re getting the right deal. We understand our market and the lenders’ criteria intimately, so we can take the time burden off your hands. Additionally, we have access to lenders that you may not be able to deal directly with.

A specialist mortgage is when the deal makes sense but rigid automated decision systems used by many mainstream lenders are not able to take a view, you may fall foul of a ‘computer says no’ situation. We have access to lenders who are able to judge each case on its own enabling us to provide access to tailored solutions to fit individual circumstances.

	High-value properties		Shared ownership		First-time buyers
	Contractor mortgages		First time buyers		Gifted deposits
	Listed buildings		Mortgages		Lending into retirement
	Foreign nationals		Ex-pats		High loan to value mortgages
	Flats above commercial premises		Non-standard construction properties		Interest-only mortgages.
	Fees free 90% LTV, purchase and re-mortgage		Self-employed with one year’s accounts/SA302.		Income made up of pension or benefits only.
	Sale at undervalue/ gifted equity.		Up to 6 x income.		Adverse credit history.
	​Income made up of pension or benefits only.		Right to buy, including flats above 10 floors, even with adverse credit.		Capital raising re-mortgages to settle current debt management plans – up to 90% LTV.