Residential mortgages

Giving you access to a huge range of specialist mortgage solutions.

Straightforward mortgage applications are becoming increasingly rare, which is why we are seeing rapid growth within the specialist residential lending industry. We know that many people do not fit mainstream lending criteria for a variety of reasons and our objective is to meet the needs of your clients through our strong lender partnerships and a range of innovative products, via our comprehensive lending panel.

It can be more timely to search a market you’re not familiar with to ensure you’re getting the best deal for your client. We understand our market and the lenders criteria intimately, so we can take the time burden off your hands. Additionally, we have access to lenders that you may not be able to deal directly with, as well as some of the sectors leading exclusives, including our very own products under our Private Label brand.

What is a specialist mortgage?

A specialist mortgage is when the deal makes sense but rigid automated decision systems used by many mainstream lenders are not able to take a view, so the client falls foul of a ‘computer says no’ situation. We partner with lenders who are able to judge each case on its own merits and price for the risk applicable to your client, enabling us to provide tailored solutions to fit individual circumstances.

Types of mortgage covered in this division:

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

Typical client scenarios:

• High-value properties.
• Right to buy, including flats above 10 floors, even with adverse credit.
• Shared ownership.
• Help to buy.
• Non-standard construction properties.
• Listed buildings.
• Flats above commercial premises.
• Overseas mortgages.
• High loan to value mortgages, including new build houses and flats.
• Capital raising re-mortgages to settle current debt management plans – up to 90% LTV.
• Fees free 90% LTV, purchase and re-mortgage.
• Sale at undervalue/gifted equity.
• First-time buyers.
• Self-employed with one year’s accounts/SA302.
• Lending into retirement.
• Gifted deposits.
• Foreign nationals and ex-pats.
• Contractor mortgages.
• Interest-only mortgages.
• Income stretches.
• Income made up of pension or benefits only.
• Adverse credit history.

Criteria overview:

• Market-leading rates.
• Up to 95% LTV.
• Fixed and variable rates.
• Interest-only options.
• Products with no fees, no ERCs and cashback deals.
• Lending in England, Scotland and Wales.