Specialist Lending
Self-employed, contractor, complex income, or adverse credit? We know the lenders who’ll look at your case properly — not just say no. We can also arrange short-term and bridging finance when it’s the right tool for the job.
High-street lenders rely on rigid affordability calculators. If your income arrives as dividends, retained profits, multiple sources, foreign currency, or fluctuates seasonally, the automated systems often can’t make sense of it. Specialist lenders take a more human approach — but accessing them requires knowing which lenders to approach, and how to present the case.
We deal regularly with self-employed clients (sole traders, partners, limited company directors), contractors paid via day rate, professionals with complex bonus or commission structures, expats, returning UK nationals, and clients with historic adverse credit. The right lender for each of these is rarely the same — and rarely the obvious choice.
Where standard mortgage timelines don’t fit — chain breaks, auction purchases, or properties that aren’t yet mortgageable — we can also arrange bridging finance. It’s not our core focus, but when it’s the right tool we’ll structure it properly, with a clearly modelled exit, and refinance you onto a long-term mortgage once you’re ready.
If you’ve been told no by your bank, that often isn’t the end of the conversation. It’s often just a starting point.
Let’s see how we can help.
Tell us a bit about your situation and we’ll be in touch within one working day.
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