Specialist mortgages

If you need a mortgage for an unusual property, or if your circumstances are complicated, you may need a specialist homeloan.

These range from buy to let mortgages, which are quite common and charged at similar interest rates to residential home loans, to bad credit mortgages which are rare, likely to be more expensive and charge higher mortgage fees.

It can make sense to speak to an independent adviser to arrange a specialist deal for you.

Note that even a specialist adviser may not be able to secure a bad credit mortgage for you, depending on what is available and what your credit record looks like.


Trade body warns regulator over income limits

The Building Societies Association (BSA) wants a ‘sunset clause' to be added to the loan-to-income (LTI) cap due to concerns over the long-term effects it may have on the housing market.


Precise Mortgages cuts rates

Precise Mortgages has simplified its lending criteria and reduced the interest rates it charges on many deals.


Aldermore looks to self-employed market

Aldermore Bank is looking at developing a range of products designed to meet the needs of the growing population of self-employed workers.


Osborne rules out pre-election sale of Lloyds shares to retail investors

Chancellor George Osborne is set to rule out a sale of Lloyds Banking Group shares to retail investors before next year’s general election, according to reports.


Expat tax threat could net govt £400m

Hundreds of thousands of expats who raise an income in the UK could lose their right to use the personal allowance.

Thomas Cook aeroplane

France and Spain favourites for overseas buyers

France and Spain remain firm favourites for those looking to buy a place in the sun, according to the latest Property Hotpots Report from HiFX.


Santander amends Help to Buy, affordability and interest-only policy

Santander has tightened its Help to Buy and general affordability criteria while paring back its interest-only policy.


Co-operative Bank receives £100m cash injection

The Co-operative Bank has received a £100m cash injection from its former parent as part of attempts to fill a £1.5bn black hole.


TWM launches let-to-buy mortgages

The Mortgage Works has launched a range of let-to-buy products up to 75% loan-to-value (LTV).

Auctioneer Gavel

Lenders accused of shortchanging repossessed vendors

Repossessed properties could achieve up to 20% more if insolvency practitioners (IPs)and lenders forged closer links with a range of auction houses, according to an auctioneer.

A thistle

Scotland confirms Right to Buy abolition

The Right to Buy scheme will be abolished in Scotland in 2016 following a vote in the Scottish Parliament.

Warning sign

‘Cause for concern’ over misleading bridging advertising

Some bridging lenders are attempting to lure borrowers onto loans that will cost more than they anticipate, a firm operating in the sector has claimed.

Thatched cottage

Lib Dems eye tax hikes on holiday homes

The Liberal Democrats are considering tax hikes on holiday homes to stop second home owners “gutting” rural communities and pricing locals out of the market.


British victims of Cyprus mortgage misselling compensated

Numerous claims brought by UK victims of alleged property and mortgage misselling in Cyprus have been settled.


SPF Private Clients to arrange mortgages for Huf Haus properties

Mortgage brokerage SPF Private Clients has announce a partnership with Huf Haus, a German manufacturer of prefabricated properties.

Page 1 of 35

Speak to an adviser

Free expert mortgage advice


Follow the link below to fill in our simple 3 step form and you will be contacted by a qualified mortgage adviser who will help you with your requirements.


Mortgage best buys


Compare the latest mortgage rates using our compare
mortgages tool


Use our easy-to-use mortgage calculators to find out how much you could borrow and calculate your monthly repayments

Ask Paula

Ask Paula


If you have a question about mortgages or homebuying, why not ask Editor in Chief Paula John?

Paula is CeMap qualified.

Your Mortgage today


Mortgage best buys

Compare the latest mortgage rates
using our compare
mortgages tool.

Your Mortgage guides

Download your FREE guides

Guide to Mutual Lenders

This Guide to Mutual Lenders explains what they can offer to mortgage borrowers

Guide to Mortgage Advice

Our handy guide explains where to go for mortgage advice and what to expect when you get there.

Your Mortgage Awards

awards rondel 2013

Widely regarded as the UK's definitive consumer mortgage awards, for 22 years the Your Mortgage Awards have recognised and rewarded those lenders and providers that have offered the very best products and services to mortgage borrowers over the preceding 12 months.

Connect with YourMortgage.co.uk

Sign up for our weekly email alerts

Recieve up-to-date news directly into your inbox from us

Your Money Logo

Make the most of your money from investments, savings, retirement and financial planning.

Get expert opinions, top tips, all the latets news, videos, guides etc