Specialist Mortgages

Specialist Mortgages Explained...

Specialist Mortgage Advice is hard to come by and everybody’s circumstances are different. You may have been declined by a lender, you maybe self-emplyed, you may have had previous credit issues or maybe your mortgage lender or broker just doesn’t understand the situation…

Thats where our trained mortgage advisers can help you, they specialise in hard to place mortgages. Complete the contact form on the relevant page and one of our advisers will be in touch.

Don't agree your mortgage deal until you've spoken to our advisers

Bad Credit Mortgages

  • Arrears & Late Payments
  • County Court Judegments (CCJ’s)
  • Defaults
  • Debt Management Plans
  • IVA’s
  • Repossessions
  • Bankruptcy

Self Employed Mortgages

  • Sub-Contractors
  • Newly Formed Business
  • Changing to Limited Company
  • Made a loss in last 3 years
  • CIS Scheme Workers
  • Sole Traders
  • Company Directors
  • Shareholders

Buy-to-Let Mortgages

  • Buy-to-Let Mortgages
  • Buy-To-Let though Limited Company
  • First Time Buyer – Buy-T0-Let
  • Multiple Buy-To-Lets
  • Portfolio Mortgages
  • Apartment Block Buy-to-Lets

Is it difficult to get a Specialist Mortgage?

Everyone’s situation is different, for most people applying for a mortgage is straight forwards, especially if you are employed on a permanent basis, salaried, have a nice deposit and have good credit.

But not every person falls into this criteria and we are here to try and help you get a mortgage. The downside to our job is when you do need a specialist mortgage, we are limited to the amount of mortgage lenders we can use.

If you have missed a few payments here and there, but the rest of your credit history is pretty easy. Your mortgage application may appeal to a few mortgage lenders but as soon as your history becomes a little complicated through bankruptcy, limited company or even having a small deposit, most lenders won’t even take a look.

When it comes to specialist complex mortgages you need a broker who can look at all options for you, who don’t put barriers in the way and who do have access to the whole of the mortgage market.

The mortgage brokers we deal with are specialists in this area, be it a discharged bankrupt, self employed or even taking retained profit from a limited company, the mortgage brokers really can help.

Complete the form below and select the most relevant section to your circumstances. There is a small box at the end of the form for any additional information. But we welcome you to get in touch to see how we can help.

Use our Mortgage Calculator...

What is the value of the Property

What Mortgage amount required?

How soon do you require a Mortgage?

What is the Annual Income of Applicant No.1

What is the Annual Income of Applicant No.2

 

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FCA Introducer
Your home may be repossessed if you do not keep up repayments on a mortgage or other loans secured on it. Think carefully before securing other debts against your homes.