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Specialist Mortgages

Introduction

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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.

Guides

Case study – Offset mortgage

Pavel and Sophie Kopiszka, both 45, live in Norwich. They took out an offset mor...

Guide to Credit Repair Mortgages

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Guide to buy-to-let tax changes

In late 2015, former Chancellor George Osborne announced a range of  tax measur...

Guide to interest-only mortgages vs repayment mortgages

Before you go looking for a mortgage or remortgage deal, you need to decide how ...

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...

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...

Guides

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 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...

Guide to buying property in Florida

Seen as the land of opportunity, there are plenty of British property investors ...

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