Specialist Lending

You might need a specialised mortgage solution if your circumstance is slightly unique and does not quite fall into the typical categories of mortgage type.

We can assist you with a variety of specialised mortgage products that might work for your individual situation. Contacting us and letting us know what you want to do would be a good idea. We will then try our best to assist you.

Mortgages for the self-employed, people with bad credit, bridging financing, second charge mortgages, commercial mortgages, new build mortgages limited company mortgages and expat mortgages are a few of the areas of specialised finance that we might be able to assist with.

Self Employed Mortgages

Obtaining a mortgage when working for yourself is fairly comparable to obtaining one while employed. You will have access to the same mortgage lenders and offers; the primary distinction is how your income is determined. As a self-employed candidate, you must be able to present at least one year’s worth of accounts, however this requirement varies by lender. When you contact us, we will compare your situation to a wide range of lending standards in order to locate the best mortgage for you.

Q. How many years trading do i need for a self employed mortgage

  1. Typically 2 years trading however some lenders accept 1 year trading accounts.

Adverse Credit 

Even if you have a bad credit history or have been turned down by other lenders, we could still be able to help you acquire a mortgage. Some lenders will accept applications with prior adverse credit; if you contact us, we’ll evaluate your needs and circumstances in light of these lenders’ requirements. There are still some excellent options available, even though the procedure may be slightly more involved and possibly call for more documentation.

Q. I have bad credit and CCJ will I be accepted ?

  1. There are lenders that may lend to individuals with bad credit, CCJ’s, Defaults and even post bankruptcy. We will search the whole market for a lender that will fit your needs. 

Q. Will rates be higher for these types of mortgages? 

  1. The answer is yes these types of mortgages tend to have higher interest rates. 

We work with a range of companies that specialise in all types of mortgages from New build mortgages, commercial mortgages, Second charge mortgages, Limited company mortgages

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