Experts in Complex Mortgage Cases
If your circumstances fall outside standard lender criteria, a specialist mortgage may provide a viable route forward. High street lenders often rely on rigid automated scoring systems that fail to consider the full picture, particularly where income, credit history, or property type is more complex.
We specialise in placing cases that have been declined elsewhere by working with lenders who assess affordability and risk manually. This means your application is reviewed by an underwriter who considers context, stability, and future sustainability - not just historic data points or credit score thresholds. Our role is to package your case correctly, address potential concerns upfront, and match it to lenders whose criteria genuinely fit your situation.
Who This Is For:
✔ Applicants with bad credit, defaults, CCJs, missed payments, or historic credit issues that no longer reflect their current financial position
✔ Self-employed individuals or company directors with complex income, including one year’s accounts, retained profit, or variable earnings
✔ Buyers or homeowners dealing with non-standard construction, semi-commercial use, or properties considered higher risk by mainstream lenders
✔ Expat or overseas applicants seeking UK mortgage finance using foreign income, overseas residency, or international assets
Explore Our Specialist Mortgages
Specialist advice for non-standard borrowing scenarios
Credit & Financial History Issues
If your credit history has triggered an automated decline, a specialist mortgage may offer a more realistic route forward. High street lenders often rely on rigid scoring models that can penalise issues such as overdraft usage, late or missed payments, payday loans, historic defaults, CCJs, or periods of gambling activity, even where these no longer reflect your current financial position. Errors on credit reports or simple factors such as open credit cards can also negatively affect automated decisions.
We specialise in placing credit-impaired cases by working with lenders who manually assess risk and affordability. This includes lenders who will review applications affected by IVAs, debt management plans, debt consolidation, or mortgage auto-declines, and who are prepared to consider context, recovery, and future sustainability. By reviewing your full credit profile, often using tools such as Checkmyfile, we ensure your case is packaged correctly, common credit report errors are addressed, and potential concerns are explained upfront to the underwriter.
Who This Is For:
✔ Applicants with bad credit, defaults, CCJs, missed payments, payday loans, or historic credit issues that no longer reflect their current circumstances
✔ Borrowers declined by automated mortgage systems who require manual underwriting and lender discretion
✔ Clients with IVAs, DMPs, debt consolidation, or complex credit histories seeking specialist lender options
✔ Buyers unsure how overdrafts, credit cards, or recent financial behaviour may affect a mortgage application
Credit & Financial Guides
Past credit problems assessed by specialist lenders
Property Type & Construction
If a property falls outside standard lending criteria, it may be labelled as unmortgageable by high street lenders. This commonly includes unmortgageable properties, non-standard construction, homes near commercial premises, or properties considered unusual due to layout, materials, or usage. Automated systems often reject these cases without considering the wider context, even where demand, condition, and resale potential are strong.
We arrange finance for a wide range of specialist property types by working with lenders who assess security and risk manually. This includes timber framed homes, steel framed houses, self-build projects, and properties with complex tenure such as a short lease under 60 years. We also support mixed-use scenarios including semi-commercial properties, mixed residential and commercial buildings, commercial to residential conversions, and multi-unit freehold blocks (MUFBs). Our role is to present the property correctly, address lender concerns upfront, and structure the application around realistic exit and resale assumptions.
Who This Is For:
✔ Buyers or homeowners struggling to mortgage a non-standard, unusual, or previously declined property
✔ Applicants purchasing or refinancing properties near commercial use or with mixed residential elements
✔ Developers or investors undertaking conversions, self-builds, or multi-unit property structures
✔ Borrowers affected by short leases or complex property tenure arrangements
Complex Property Type Mortgage Guides
Insight into mortgage criteria for complex buildings
Income and Employment Complexity
Where income does not follow a simple payslip structure, high street lenders often apply restrictive criteria that fails to reflect true affordability. This commonly affects self-employed borrowers, applicants reliant on bonus or overtime, those using bank statements to evidence income, or individuals with only one year’s accounts. Irregular earnings, variable net profit, or income that fluctuates year to year can also trigger automated declines, even where overall financial stability is strong.
We arrange mortgages for complex income scenarios by working with lenders who assess affordability manually and flexibly. This includes lenders who consider retained profits within limited companies, assess net profit rather than headline turnover, and take a pragmatic view of irregular income. We also support applicants looking to maximise borrowing through income boosting mortgages, as well as those seeking lending solutions in later life, including a retired person’s mortgage. Our role is to structure income correctly, evidence sustainability, and present a clear, credible case to the lender.
Who This Is For:
✔ Self-employed applicants, company directors, or contractors with non-standard income structures
✔ Borrowers using bonuses, overtime, bank statements, or variable earnings to support affordability
✔ Clients with limited trading history, retained profits, or fluctuating net profit
✔ Applicants approaching or in retirement seeking income-led lending solutions
Understanding Complex Income
Mortgages for non-standard income structures
Specialist Finance Structures
Some transactions require funding structures that fall outside traditional residential mortgages. This commonly includes time-sensitive purchases requiring bridging mortgages, landlords seeking portfolio finance, or developers arranging funding through development finance. In other cases, borrowers may need to raise capital via a second charge mortgage without consent or assess whether a remortgage or second charge loan is the most appropriate solution. Properties requiring works may also need a structured approach using a renovation mortgage rather than standard lending.
We arrange specialist finance by working with lenders who understand layered risk, exit strategies, and complex ownership structures. This includes funding held within a limited company, short-term facilities designed around sale or refinance, and long-term solutions structured to support cash flow and asset growth. Our role is to assess the objective of the borrowing, identify the most suitable structure, and ensure the funding aligns with both the property and the borrower’s wider financial position.
Who This Is For:
✔ Buyers or investors requiring short-term or transitional funding
✔ Landlords managing multiple properties or complex portfolios
✔ Developers or homeowners funding renovations, conversions, or structural works
✔ Borrowers seeking additional borrowing where a full remortgage is not appropriate
Specialist Finance Structures Guides
Alternative lending solutions beyond standard mortgages
Expat and Overseas Borrowers
UK mortgage applications involving overseas residency or foreign income are often declined by high street lenders due to rigid criteria and limited appetite for international risk. This commonly affects applicants seeking expat mortgages, those living in regions such as Australia, Dubai, or Greece, and individuals unsure whether they can obtain a UK residential mortgage while living abroad. Differences in taxation, currency, employment contracts, and residency status can all complicate automated assessments, even where affordability is strong.
We arrange mortgages for expat and overseas borrowers by working with lenders experienced in assessing international income and residency profiles. This includes support for returning expats, clients looking to remortgage as an expat, and investors arranging a UK buy-to-let mortgage as a non-resident. We also assist applicants using overseas income by structuring cases to account for currency exposure, income stability, and long-term sustainability. Our role is to present your circumstances clearly, manage lender expectations, and secure lending aligned with both UK property requirements and your global financial position.
Who This Is For:
✔ UK nationals living overseas seeking residential or buy-to-let finance
✔ Expats purchasing, refinancing, or returning to the UK
✔ Borrowers earning income abroad or paid in foreign currency
✔ Non-resident investors requiring UK property finance
Guides for Expat & Overseas Applicants
UK mortgages for applicants living abroad