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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 use London Help to Buy

Qualifying first-time buyers and homemovers in London could be eligible for a go...

How to buy a home: the process

A step-by-step guide to the process you will go through to purchase your propert...

How to save a deposit

The average UK property price at the end of 2016 stood at £220,000 according 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...


Guide to Help to Buy ISAs

The Government’s Help to Buy ISAs were launched in December 2015, giving wanna...

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...


More mortgages on offer for borrowers with bad credit

There has been a significant rise in the number of deals for those who fall shor...

Self-employed borrowers account for one in five specialist mortgages

Mortgage brokers have seen a growing demand for mortgages from borrowers who wor...

Second charge mortgage lending boosted by 20%

Homeowners are increasingly turning to second charge mortgages to raise addition...

Second charge mortgage lending falls

The number of second charge mortgages fell by 2% in September, according to the ...

Majority of self-employed struggle to get on ladder

It's not easy for any first-time buyer to get a foothold on the property ladder,...

Second charge mortgage lending down

Second charge mortgage new business fell by 6% in terms of value in January 2017...

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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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A calculator designed to help you understand how much you can borrow towards your property