When the bank says no, we start looking.
Complex income, past credit problems, a visa, an unusual property — with access to the whole mortgage market and years of experience arranging complex mortgages, there's usually a route through.
If you don't fit the standard criteria, start here.
Securing a mortgage can feel daunting when your circumstances don't meet standard lending criteria — especially if your own bank has already declined you. These are the situations we specialise in.
Bad credit
A less-than-perfect credit history shouldn't block your path to owning a home. We know the lenders who are sympathetic to past financial difficulties — and we can suggest ways to improve your credit standing too.
Foreign nationals
Moving to the UK brings its own set of challenges, and a mortgage is one of them. We understand how your visa status affects your options — including lending without indefinite leave to remain.
Complex incomes
Contractor, freelancer, on a zero-hours contract? When your income isn't straightforward, how it's presented matters. We put your earnings to lenders in the way that reflects what you really make.
Self-employed & limited company directors
Trading accounts and dividend income needn't hold your application back. We help sole traders and company directors borrow on the strength of what they actually earn — salary and dividends together.
Your first conversation is free, and there's no obligation. See how it works
Out of the ordinary is our ordinary.
No two complex cases look quite alike — but after years of arranging them, very few are genuinely new to us. We combine that experience with access to the whole mortgage market, and we stay with your application from the first conversation through to completion.
That goes for the property as well as the person. Homes of non-standard construction, buildings made with unconventional materials, listed buildings — unusual homes can be harder to finance, and we know which lenders will consider them and what those lenders will want to see.
Your first conversation is free, and there's no obligation. See how it works
The things people ask us first.
Why should I use a mortgage broker?
A broker gives you access to a wide range of lenders, expert advice and a solution built around your circumstances. We do the work of finding and arranging the right mortgage, which saves you time and money — especially when your situation is complex.
My bank has declined my application — is that the end of the road?
No. Banks lend to their own criteria, and being declined by one says very little about the wider market. Many lenders specialise in exactly the circumstances the high street turns away — complex income, past credit problems, visa restrictions — and we know which ones to approach.
How long does a Mortgage Agreement in Principle take?
We can usually get a Mortgage Agreement in Principle within 24 hours, depending on the lender and your financial situation.
What do you charge for specialist mortgage advice?
We don't charge upfront fees. We'll explain our charges before any work begins, and any fee is typically only payable when your mortgage offer is issued.
What documents will I need?
You'll generally need proof of income, bank statements, ID and details of any debts or other financial commitments. If your income is complex, that might mean accounts or tax calculations — we'll tell you exactly what your lender wants to see.
Can I get a mortgage on a listed building or non-standard construction?
Often, yes. Unusual properties can be challenging to finance, but some lenders will consider them — we know which ones, and how to present the property so it gets a fair hearing.
Complicated on paper doesn't mean impossible.
Tell us roughly what makes your situation unusual and we'll come back to you within one working day with an honest view of your options. No hard sell, no obligation, no jargon.