Truffle Specialist Finance

Specialist First Charge Residential Mortgages

Property-buying clients with extraordinary circumstances need extraordinary financial solutions. From first-time buyers and existing homeowners to those who are newly self-employed, 50+, or have endured credit challenges, we can help.

Specialist First Charge Residential Mortgages

Trusted by industry leading lenders

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 & 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.

Finance Checklist

  • Residential property purchases
  • Residential re-mortgages, with or without capital raising

  • High-value properties
  • Listed buildings
  • Non-standard construction properties
  • Flats above commercial premises
  • Flats above 10 floors

  • 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

  • Adverse credit history
  • Gifted deposits
  • Income is made up of pension or benefits only
  • Income stretches
  • Interest-only mortgages
  • Lending into retirement
  • Sale at undervalue/gifted equity

Key Features

LTV

Up To 65%

Rates From

5.87%

Term

Maximum Term 40 Years

Frequently Asked Questions

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

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

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

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.

Want To Know More?

Please complete the below form and one of our specialists will try to respond as soon as possible.


Or To Talk To Us, Call:

Phone: 08000 35 37 35

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