The best specialist mortgages come from specialist mortgage brokers

Specialist mortgage advice

A specialist mortgage is quite a broad term that can contain a lot of different categories. Unconventional property, income deriving through a combination of regular overtime, bonuses or commissions, or even something as simple as a government scheme like a help-to-buy or right-to-buy mortgage.

Getting approved for these kinds of mortgages can be tricky, especially if you don’t know much about the industry. The good news? We're ready and waiting and able to help!

As specialist mortgage brokers, we have comprehensive access to the UK’s mortgage market, amongst the well-known high street banks and building societies are masses of smaller specialist lenders, who unlike the big brand high street banks , will assess your application on an individual basis, in order to determine your mortgage eligibility.

Our expert mortgage advisors take the time required to completely understand your personal needs and buying situation. This gives us the information required to find the best mortgage deal available in your unique, individual circumstances.

The reason we do this is because standard high street banks and lenders typically stick to straightforward mortgages with standard lending criteria, offering the best available rates, because they know that they can build up a large volume of clientele.

Anything that is a little different or unconventional will fall into one of two categories: either a straight decline or an extremely high rate. The fact of the matter is, they don’t need to deal with the weird and wonderful cases. And if they do pick up such a case, the higher rate makes it worth their time and worth the risk. You can see why many mortgage lenders prefer to stick to the typical mortgage deals provided by a perfect credit score.

Our fact find and research will allow us to source a pool of lenders who have criteria that exactly matches your circumstance, once we have got to this stage, we are able to source the best product from these lenders that match your specifications, such as the lowest term, best rate or lowest monthly payment.

To ensure your specialist mortgage application completes smoothly, we also handle the entire process for you; managing all of the necessary paperwork and liaising with all the relevant parties, securing your mortgage offer, progressing the exchange of contracts and finally updating you with news of your mortgage completion.

We're not just bad credit mortgage specialists; we're here to help with almost every mortgage deal you can think of. We've got specialist lenders and a mortgage broker for every eventuality, offering assistance in all the following areas and more:

• Bad credit, low credit score or poor credit history cases
• First time buyers getting on the property ladder
• Borrowers having missed payments
• Debt management plan mortgages
• Self employed
• Linked savings account mortgages
• Mortgages for people with a County Court Judgement
• Complex income cases
• Bankruptcy
• Buy to let
• Equity release
• Family springboard mortgages

If you require a non-standard mortgage, you're worried about your credit score or credit report, or you think your lending criteria doesn't hit the usual requirements – whatever your circumstances, as specialist mortgage lenders, we can help by offering completely free upfront advice and searching over 100 lenders for the best available deals.

Give us a call today. As specialist lenders we're here to track down your prime mortgage deals. We know the mortgage market inside out, making borrowing money for your dream home easier than ever. Give us a call to explore all of your available options.

89

Questions & answers

Ask a Question

Write your question here

Your Name

Email Address

Cancel

Submit

Success!

You question has been successfully submitted!

Question asked by

Alex Millington

Hello, we have quite complex circumstances in terms of the benefits to wage ratio that we have and the income streams. Could I please email someone who has experience in using benefits as part of the application process as I know some lenders will take it into account more than others. Our income is steady and fairly significant and there is no reason it should change over the next few years. I don't want to go through all this process without having an idea if it's possible. I have already looked at this with a previous broker but the loan amount and knowledge of our type of benefits was disappointing.

Hi Alex! We offer free advice, so would love to chat through your circumstances to let you know the best option as there are potential lenders that can use many different sources of income. Feel free to email us at info@clsmoney.com or call 0330 088 1107. We'd would love to help! Kind Regards, Paul at CLS Money :)

Answered by CLS Money | Mortgage Brokers

Question asked by

Richard Marshall

I have an opportunity to buy a house of a friend at a huge discount. Friend wants to receive 100k and the market value we guess is north of 170k.she is mortgage free and moving in to another house she’s bought also mortgage free. We’ve approached 3 different brokers who all couldn’t find a lender to approve such a transaction that isn’t between blood relatives or a sitting tenant. Is there any you know of and can you help in our situation.

Hi Richard! Thanks for your enquiry, There are some potential lenders that can help with a discounted purchase from a non relative. The criteria is different for every lender so we would love to go through your circumstances and find you the best option. Kind Regards, Paul at CLS Money :)

Answered by CLS Money | Mortgage Brokers

Question asked by

Alison Hart

We are selling a property and want to buy another I have good credit but my husband has a IVA. They have agreed to settle for £8,000 from the sale of our current house. I am struggling to find a mortgage , we will have a 10% deposit for a new property which will be significantly less value than our current property is there a mortgage I can access?

Hi Alison! Thanks for your enquiry, there are some potential lenders that can help with the IVA being satisfied before completion on the property. Generally they do request a larger deposit but if you would like us to give you the best advice feel free to contact us. Kind Regards, Paul at CLS Money :)

Answered by CLS Money | Mortgage Brokers

Question asked by

Richard Fowler

I have an IVA with a year left to run. Myself and my partner would like to try and buy a house together. Her credit rating is good. Would getting a mortgage be possible?

Hi Richard! Thanks for your question! We do have lenders that can help in this scenario, I would recommend having a chat with one of our advisors who will be able to give you all the details and next steps towards buying your house. Kind Regards, Paul at CLS Money :)

Answered by CLS Money | Mortgage Brokers

Question asked by

Raheem Anderson

Hi I have a very bad credit score with 1 default from when I was made unemployed and interest was killing me Since then I have been working for over 3 months with a potential yearly income of £26k I have a deposit of 5-10% and the average price for houses I am looking for are £90,000 - £110,000. What are the rates I would be looking at and would you be able to help? Thanks

Hi Raheem! Thanks for your question! There's a wide range of rates with specialist lenders as they have different criteria for scenarios, however we will always find you the best option available for you. I would recommend having a chat with on of our advisors who can give you a tailored quote for you. Kind Regards, Paul at CLS Money :)

Answered by CLS Money | Mortgage Brokers

Question asked by

Michael Barrett

I entered an IVA in Apr 2023 which I completed early Oct 2024. I have the completion certificate and this will drop off the insolvency records at the end of Jan 25. Although I am aware this will remain on my credit file until May 29 My wife has a default from Nov 23 and a missed payment from Jan 24. We have a mortgage with approx 440k remaining and are 3 years into a 5 year fixed with Metro Bank. Property is worth somewhere between 550k & 585k. We are looking at the possibility of downsizing to a property somewhere within the region of 350k to 375k. Is this possible, will anyone entertain this now or should we just remain where we are for the next couple years? Have considered simply selling up and renting in area we wish to downsize to but worried we would not then be able to get a mortgage? Can you advise please?

Hi Michael! Thanks for your question! We do have some potential lenders that can still help in this scenario. It would be worth having a chat with one of our advisors who can then look into detail around how much it would potentially cost to downsize and give you the best advice. Kind Regards, Paul at CLS Money :)

Answered by CLS Money | Mortgage Brokers

Question asked by

Nuray

Hi, I have started paying interest on my help to buy loan as its been 6yrs since I took the loan. I am planning to remortgage and pay back at least 10% but as the mortgage rates are very high at the moment, I am not sure if it’s a good idea. I am getting the house valuation soon so I will be able to find out how much the 20% equity has increased. Would you recommend paying off the mortgage first? Thank you

Hi Nuray, Thanks for your question! I would recommend having a more in depth conversation with one of our advisors, as the help to buy will be on a different repayment scheme to the mortgage. Ideally once we have had an in depth discussion we can then advise on you on the best option. Kind Regards, Paul at CLS Money :)

Answered by CLS Money | Mortgage Brokers

Question asked by

Dahlia Lewis

Hello I am qualified for 42 percent right to buy discount from my council property is am in a iva which I am in the process of settling is it possible to get a mortgage after its settled?

Hi Dahlia, Thanks for your question ! We do potentially have specialist lenders that are able to help with a right to buy mortgage with a IVA. Please give us a call to discuss further as we'd love to explore all the options for you. Kind Regards, Paul at CLS Money :)

Answered by CLS Money | Mortgage Brokers

Question asked by

Anna Holmes

Hello, I own two houses outright and am wondering if I can use these to help my daughter buy a house.? I currently rent one out fully and a room in the other. I am staying with my daughter to help out. She’s working but on universal credit. She should have £100,000 in equity on her current flat. Would your company be able to assist in this situation

Hi Anna, Thanks for your question! We do have lenders available that can potentially use all sources of income, there are also some lenders that will accept using some of the equity in your properties as a potential deposit as well. Please be in touch to discuss further. Kind Regards, Paul at CLS Money :)

Answered by CLS Money | Mortgage Brokers

Question asked by

Jon

I do not have a CCJ, but I have defaulted previously. Would this effect my chances more so if my credit was just bad?

Hi Jon, thank you so much for your enquiry. We definitely have lenders that we would be able to approach regarding your circumstance :) Please feel free to get in touch on nicky@clsmoney.com and we can arrange for one of our advisors to give you a call and discuss further :)

Answered by CLS Money | Mortgage Brokers

1

2

3

4

5