Specialist Mortgages

Bridging finance is an extremely useful tool for investors and home owners alike, enabling you to
proceed in situations (such as securing your dream home) that would otherwise not be possible.
Our specialist finance adviser will be able to explain the feasibility, process and cost of bridging
finance to you so that you can make an informed decision.

Finding a lender who can fulfil a large loan requirement can be difficult as many High Street lenders do not have the necessary underwriting expertise. We can provide advice on the whole of the UK market and have strong relationships with a number of private banks who are able to meet these requirements.

Sometimes High Street lenders do not offer the complete solution or service our clients need. As a High Net Worth borrower you may have specific requirements or complex financial circumstances which will require a more tailored approach to your mortgage lending. We can offer bespoke independent advice from the whole of the UK market and have strong relationships with a number of private banks.

Lenders have different criteria when it comes to Self Employed, Agency or Contract workers. We have expert advisers available to help find the best solution for you. Whether you only have one years trading history or have been in a new contract role for six months, we can help find a mortgage for you.

Second Charge Mortgages are just that, a second mortgage secured on your property. Sometimes used instead of remortgaging to raise funds but avoid paying Early Repayment Charges. We have a team of independent advisers ready to advise you on the most suitable mortgage for your needs,

Off set mortgages are linked to savings accounts with your mortgage lender. The more you have in your savings, the less you are usually charged in interest. They are a good option to consider for self employed who use a savings account for tax savings or more general savings too.

New build or self build may be a way to securing the home of your dreams. Self build mortgages are released in stages along the build process. Lending on new builds can be seen by lenders as high risk and they can be more cautious lending the amount of loan required. We have a team of experts who can help you understand the process.

For anyone looking to secure a mortgage for their business premises. Usually secured on an office building, shop or warehouse.

Let to buy mortgages are sometimes used as a short term solution where you may need to rent out your existing property in order to assist with an onward purchase. You’ll need to be able to show you can afford the mortgage payments from the rent you’ll be receiving.

You are usually required to be resident in the UK in order to obtain a mortgage. Some lenders will offer Expat mortgages to British citizens not currently residing in the UK. Perhaps you are currently working abroad or travelling. We are able to advise you on the mortgages available.