Specialist mortgage advice for every type of borrower.
We assess your income, deposit, credit profile and property type against the whole market — then recommend the lenders most likely to approve your application at the most competitive rate available to you.
Residential Mortgages
Whether you're buying your first home, moving to a larger property or reviewing your current deal, we search the whole market for the most suitable mortgage based on your affordability and credit profile.
- First-time buyer mortgages — high-LTV options up to 95%
- Home mover applications with porting advice
- Remortgage UK — switch deals, reduce payments or release equity
- Self-employed mortgages — one or two years' accounts considered
- Contractor & CIS worker mortgages
What lenders assess
- Affordability — income vs committed expenditure
- Loan-to-Value (LTV) — deposit as % of purchase price
- Credit profile — score, payment history, active credit
- Employment type — PAYE, self-employed, contract
- Property type and construction
Buy-to-let lending criteria
- Rental income must typically cover 125–145% of mortgage payments
- Minimum deposit usually 25% (some lenders accept 20%)
- Limited company applications assessed separately
- Portfolio landlords — more than 4 mortgaged properties
- HMO and multi-unit block lending available
Buy-to-Let Mortgages
We structure buy-to-let applications against rental stress testing requirements, advise on limited company vs personal ownership and access specialist lenders for portfolio landlords and HMO properties.
- Standard buy-to-let — first-time and experienced landlords
- Limited company buy-to-let — SPV and trading company
- Portfolio lending — 4+ mortgaged properties
- HMO mortgages and multi-unit block finance
- Investment property remortgages and equity release
Bad Credit Mortgages
A poor credit history does not automatically prevent you from getting a mortgage. Specialist lenders assess adverse credit cases differently to high-street banks — and we know which lenders will consider your specific circumstances.
We can help with:
- CCJ mortgages — satisfied & unsatisfied
- Default mortgages
- Missed mortgage payment history
- IVA mortgages
- Discharged bankruptcy
- Debt management plan (DMP)
What affects your options:
- Age of the adverse credit event
- Value of CCJ or default
- Whether satisfied or outstanding
- Deposit size and LTV
- Overall credit profile since the event
How specialist lenders differ
High-street lenders typically decline applications with adverse credit in the past 3–6 years. Specialist lenders:
- Consider CCJs over 12–24 months old
- Accept satisfied defaults with larger deposits
- Assess IVA cases from day one of discharge
- Look at the full credit picture, not just the score
Specialist lender rates are higher than standard mortgages — but securing a mortgage now and remortgaging to a better rate in 2–3 years as your credit improves is a common and effective strategy.
When bridging finance is used
- Auction purchase — 28-day completion required
- Chain break — buy before your sale completes
- Refurbishment — property not mortgageable in current condition
- Below market value purchase requiring fast completion
- Development exit finance
Bridging Finance
Short-term secured lending where a conventional mortgage is too slow or unavailable. We arrange bridging finance with clear exit strategies — whether that's an onward sale or refinancing onto a term mortgage.
- Auction purchase finance — 28-day completions
- Chain break bridging loans
- Refurbishment and light development bridging
- Regulated and unregulated bridging
- First and second charge bridging available
General Insurance & Protection
A mortgage represents a significant financial commitment. The right protection ensures your property and income are covered if your circumstances change — illness, accident, redundancy or death.
- Buildings and contents insurance
- Landlord insurance — single property and portfolio
- Life insurance — level and decreasing term
- Critical illness cover
- Income protection insurance
- Mortgage payment protection
Why protection matters
- Your mortgage is still due if you can't work
- Life cover ensures your family can keep the property
- Critical illness pays a lump sum on diagnosis, not just death
- Income protection replaces salary during long-term illness
Self-employed applicants
Income protection is particularly important for self-employed borrowers who have no sick pay entitlement. We assess the right level of cover based on your income and mortgage commitment.
Which service is right for you?
| Your situation | What you need | Service |
|---|---|---|
| Buying your first home | High-LTV mortgage, affordability assessment | Residential mortgage |
| Moving home | Porting existing deal or new mortgage | Residential mortgage |
| Fixed rate ending | Best remortgage rate or product transfer | Remortgage UK |
| Self-employed buyer | Lender that accepts your income evidence | Residential mortgage |
| CCJ or default on file | Specialist adverse credit lender | Bad credit mortgage |
| Buying to rent out | BTL stress testing and lender match | Buy-to-let mortgage |
| Growing a portfolio | Portfolio lender or limited company BTL | Buy-to-let mortgage |
| Auction purchase | 28-day completion finance | Bridging finance |
| Refurbishment project | Short-term finance with clear exit | Bridging finance |
| Protecting your mortgage | Life, income or critical illness cover | General insurance |
Tell us your situation. We'll identify the right route.
We assess your income, deposit, credit history and property type — then confirm which lenders are most likely to approve.