Specialist mortgage solutions

When applying for a residential mortgage, if your client has extraordinary circumstances and does not fit the high street lenders’ criteria, we can help because we work in partnership with intermediary only lenders. They appraise each application on its own merits, which in turn means we are able to offer completely unique solutions.

For new and existing property owners

We’ll take the time to find the best solution for people in a range of circumstances. From first time buyers to existing homeowners wanting to review their mortgage for the best rate; as well as those who are 50+ and interested in ways to better use their asset during retirement, we can help. Even if your client has endured credit challenges or recently become self-employed.

Benefits of bespoke

The criteria set by high street lenders can be restrictive and also limit your client’s options. But by working with us you’ll have access to an efficient and experienced specialist who is familiar with the finer points of creating bespoke solutions. We’ll put your client’s needs first and foremost.

Refined process

By paying attention to market changes and operating firmly within FCA guidelines, we continuously hone our process, so that it is agile and flexible. Firstly, we arrange a meeting to assess your client’s individual circumstances. Then we will use our knowledge and experience, coupled with our lender and intermediary connections to identify the best bespoke mortgage solution.

Interpersonal professionalism

We are proud of our customer service after all, a client pleased with us is a client pleased with you. We can liaise directly with your client and submit the mortgage application on their behalf (which means the onus of responsibility from a compliance perspective sits with us), or we can consult with you while you deal directly with them.

Key features

Specialist First Charge Residential Mortgages Summary

LTVUp to 65%.
Rates fromLowest rates starting from 5.87%.subject to status and application
TermMaximum term 40 years.
LocationUK coverage.
Mortgage types
  • Residential property purchases.
  • Residential re-mortgages, with or without capital raising.
Property types
  • High-value properties.
  • Listed buildings.
  • Non-standard construction properties.
  • Flats above commercial premises.
  • Flats above 10 floors.
Client types
  • First-time buyers.
  • Help to buy.
  • Expats.
  • 50+.
  • Right to buy (even with adverse credit).
  • Self-employed with one year’s accounts/SA302.
  • Shared ownership.
  • Contractor mortgages.
Client scenarios
  • Adverse credit history.
  • Gifted deposits.
  • Income made up of pension or benefits only.
  • Income stretches.
  • Interest-only mortgages.
  • Lending into retirement.
  • Sale at undervalue/gifted equity.


How long does a client need to have been self-employed?

Our lenders can look at clients who have been self-employed for a min of 1 year.

Can you lend to someone in a probation period?

Yes. Our lenders can consider applicants within a probation period and day one employment.

Do you have first charge lenders who go above 5x income multiples?

Yes, we have lenders who go above 5x and the lowest available rates start from 3.59%.

Do your lenders take into account the client’s debt to income ratio?

A couple do, but the majority do not. Therefore, we are often able to provide a first charge to consolidate debt where many high street lenders will not.

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Our Specialist Residential Mortgage experts are: