Specialist mortgages

Adverse Credit Mortgages

Adverse credit does not automatically prevent clients from getting a mortgage, although it often requires a more detailed review of financial history. Lenders consider factors such as missed payments, defaults, County Court Judgments, debt management plans and how recently these issues occurred. Some lenders take a more flexible approach when the credit issues are older or when the applicant has demonstrated improved financial stability over time. Others may have stricter criteria or require a larger deposit depending on the level of risk involved.

Our role is to help you understand which lenders may consider your circumstances and how each one assesses adverse credit. We review your credit profile, outline realistic options and explain the documents you may need to provide. By comparing a wide range of lenders, we can help you explore products that align with your situation. The aim is to provide clear guidance and support throughout the process.
Your home may be repossessed if you do not keep up repayments on your mortgage.

Contractor and Self-Employed Mortgages

Contractors and self employed clients are assessed differently from traditional salaried applicants. Lenders often need to understand the stability of your income, the structure of your work and how earnings fluctuate. Depending on your situation, lenders may request one to two years of accounts, tax calculations, contracts, day rates or evidence of ongoing work. Some lenders use average income across multiple years while others may consider the latest year if income has risen consistently.

Because criteria vary significantly, choosing the right lender can make a noticeable difference to the outcome. We help you understand what documentation you will need, how your income is likely to be assessed and what options may fit your circumstances. This includes reviewing limited company structures, umbrella arrangements, fixed term contracts and freelance work patterns. Our aim is to make the process clearer and to provide guidance that reflects how you work and earn.
Your home may be repossessed if you do not keep up repayments on your mortgage.