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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.

How To

How to get debt advice

Many thousands of people in the UK experience financial hardship at some point...

How to pay off your mortgage in retirement

Many people now reach retirement with outstanding mortgages, but what is the mos...

How to get a self-employed mortgage

While the property and mortgage markets continue to show positive signs of recov...

How to get a specialist mortgage

If you have a damaged credit record you may well need specialist mortgage advice...

How to borrow under Sharia rules

Muslim homebuyers who want to stick closely to Sharia law cannot take out standa...

How to get rid of a County Court Judgement

If you fail to pay a bill or make a repayment on a mortgage, loan or credit card...


Guide to borrowing past retirement age

As an older borrower, you may be concerned that a lender will not offer you a mo...

Guide to flexible mortgages

A truly flexible mortgage allows you to do the following:

Guide to fixed-rate mortgages

Fixed-rate mortgages are fairly popular in the UK. As the name suggests, they al...

Guide to buying property in France

France remains a perennial favourite for overseas property buyers - for many goo...

Case study – Buying abroad

Amanda Turner, aged 48, and her husband Philip, aged 47, from Surrey, are about...

Guide to buying property in Spain

Excellent buying conditions are luring Britons back into Spanish property, but i...


One in five contractors fear being declined for mortgage

Could your employment status hamper your mortgage chances?

Regulator warns borrowers over 'self-cert' lender

‘No job, no problem’ lender targets unemployed borrowers, but is not authori...

Specialist lender Kensington launches Premier range

The lender's new mortgage range is targeted at borrowers wanting a large loan ov...

Self-employed won't get the National Living wage

Up to 1.7m self-employed workers are set to miss out on the new National Living ...

Skipton International helps British expats buy back home

One lender is making it easier for Brits living in sunnier climes to buy a prope...

Property fraudsters ripped off pensioners in timeshare scam

A gang of fraudsters conned 38 pensioners holding timeshares in Spanish properti...

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Speak to an adviser

If you are looking for a specialist mortgage and would like to speak to an impartial adviser free of charge, read on.

Bad credit mortgages

You are certainly not alone if you have experienced financial difficulties at some point in your life. This could cover anything from missing a credit card repayment to filing for bankruptcy.

Dishonesty on bad credit history quarter of all mortgage fraud

Almost a quarter of attempted mortgage fraud was due to individuals hiding adverse credit information and a further 21% from applicants providing misleading employment histories.

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Speak to an adviser

Could you benefit from impartial, free advice?

Your Mortgage Guides

Guide to Offset Mortgages

Download our handy guide to offset mortgages, brought to you in partnership with Scottish Widows Bank

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Is your mortgage fully protected with critical illness?

For a free quote or to speak with an insurance expert call 0800 1218744