• Broker
    The information contained in this area of our website is for FCA regulated brokers only and not intended for consumer usage.
  • Consumer


Opportunity Knocks: Residential Mortgages


We’re currently seeing a rise in right-to-buy cases coming through our team, giving the industry an opportunity to help even more people on to the property ladder. When clients are looking to purchase their local authority rented properties and the property is non-standard – such as unusual construction or flats – or they have some adverse credit history, they can’t always be helped by high street banks and need the assistance of a broker.

And it’s not just right-to-buy cases this applies to. In a poll recently conducted by Mortgage Introducer, 80% of brokers indicated that they were expecting to write more specialist residential business in 2022 that in any previous year. It also reported that 43% of brokers have seen an increase in adverse credit cases since the pandemic began.



You don’t need to be experienced in specialist cases to help your clients realise their dreams. By partnering with us, your clients’ cases will be safe in the hands of our award-winning team and you can earn an average of £758 commission per case.


We currently have three semi-exclusive right-to-buy products that could help clients who have adverse credit, or with the purchase of an unusual construction:

  • Together Money
    • Up to 100% LTV (purchase price)
    • 2 year fixed rates start from 3.59%
    • Will consider unusual construction, high rise flats to name but a few security types
    • Will consider income from benefits
    • Some adverse credit history considered


  • Bluestone Mortgages
    • Up to 100% LTV (purchase price)
    • 5 year fixed rates start from 4.81%
    • Will allow some adverse credit, including current IVAs and DMPs (IVA must be satisfied upon completion
    • Bankruptcies that have been discharged over 1 year
    • Will consider income from benefits
    • Only need to be in current job for 6 months but can submit application from 2 months onwards


  • Family Building Society
    • Up to 100% LTV (purchase price)
    • Interest only available up to 80% LTV
    • Sub 3% headline rate
    • Lending into retirement, no upper age limit



There could be people in your local area who aren’t aware that these products are available and would appreciate someone reaching out to let them know they can help.

Then you can simply give us a call, or complete the enquiry form on the right and we’ll take it from there.


Subject to status.  Products and criteria are subject to change or withdrawal at any time.  Please contact us regarding current availability.



Source: https://www.mortgageintroducer.com/specialist-mortgages-set-to-grow-in-2022/