Residential Mortgages

Whether you’re aiming to get on to the property ladder for the first time, are looking to move house or remortgage, we can help.

As a specialist mortgage brokerage, we can not only offer you great products from well-known high-street banks, but can also help you when your circumstances don’t fit so neatly into a box.

Speak with a consultant

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Our team of 40+ consultants have a wealth of experience in the industry and are here to assist with a wide range of different scenarios such as:

Self-employed/complex employment status
Unusual property types and listed properties
Self-build
Adverse credit status
Expat status

We can also help with additional borrowing – see Second Charge Mortgages.

Case Studies

Right to Buy with adverse

A couple approached us wanting to buy their council house on a ‘Right to Buy’ scheme. Due to one of the applicants having multiple defaults and being on a debt management plan, they had been declined by a number of lenders already. We were able to get our clients an offer with a specialist lender that would accept the adverse credit. They are now owners of the house which has been home to one of them since childhood. (September 2023)

Consultant: Philip Rahman

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Purchasing with adverse credit

A client with a poor credit history came to us for help with purchasing a property using proceeds from the sale of their parent’s property as deposit. They were unsure if it was even going to be possible due to the poor credit history. After talking through their circumstances, we were able to reassure them that there were options and four months later, when the parent’s property had sold, we were able to find an even more competitive solution thanks to the credit issues becoming more historic. (August 2023)

Consultant: Simon Rogerson

Expat purchase

We have been working with a client who is an expat, spending half their time here and the other half in Europe for work. High street lenders would not consider them as they do not officially reside in the UK. Whilst our client expected to be back full time in the near future, they were unable to provide the required proof of this. We found a lender that could lend to the client on a competitive rate, keeping the payments down for a couple of years until he officially resides back in the UK. (June 2023)

Consultant: Simon Rogerson