Specialist Mortgages
Complex income? Credit history? Working abroad? We specialise in cases mainstream lenders find difficult, and we know which lenders will say yes.
Complex income
Getting a mortgage when you're self employed doesn't have to be difficult, but it does require the right broker. Lenders assess self employed applicants differently, typically using 2-3 years of accounts or SA302s to verify income.
Our advisors are experienced in presenting self employed income in the best possible light and know which lenders take a more flexible approach to complex or growing income.
Day rate income
Many lenders struggle to assess contractor income correctly, but specialist brokers understand that day rate contractors can be strong mortgage candidates. The key is finding lenders who will use your day rate to calculate borrowing rather than treating you as self employed with low declared income.
Whether you're a permanent contractor, IT contractor, or work through an umbrella company, we know which lenders will work with your income structure.
Previous credit issues
A less than perfect credit history doesn't mean you can't get a mortgage. Whether you've had missed payments, defaults, a CCJ, or even a previous bankruptcy, there are specialist lenders who will consider your application.
The right advice matters enormously here, applying to the wrong lender leaves a footprint on your credit file and can make things harder. Our advisors assess your situation first and approach the right lenders.
Buying from abroad
British expats looking to purchase or remortgage property in England and Wales face additional complexity, not all lenders serve overseas applicants, and those that do have specific requirements around income currency, residency status and the intended use of the property.
We work with specialist lenders experienced in expat applications and can advise on the specific requirements depending on your residency, currency of income and property intentions.
Our advisors will talk through your circumstances and find the best option, no obligation, no jargon.
Book your free call today