Residential Mortgages
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Specialist Hub arranges regulated residential mortgages, from straightforward purchases to cases mainstream lenders decline.
We can assist with - First-time buyers, home movers and remortgages
- Adverse credit, CCJs, defaults and historic arrears
- High income multiples, including up to 6x income
- Interest-only lending at higher LTVs
- Expats and foreign nationals raising capital against a UK property
- Capital raising – we'll assess whether a first or second charge mortgage best suits the client's situation
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Specialist Solutions
Our expertise allows us to place cases that fall outside mainstream criteria, including: - Adverse credit, CCJs, defaults and historic arrears
- High income multiples, including up to 6x income
- Interest-only lending at higher LTVs
- Consumer buy-to-let with no minimum income requirements
- Flats above or adjacent to commercial premises
- A full range of repayment options are available, including interest-only, part-and-part and capital repayment, we can also assess whether a first or second charge provides the most suitable outcome for your client.
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How it works
We have over 40 years’ experience so will understand your client’s needs.
With our in-house quoting systems, we find the right solution and fast.
We ensure your client gets their offer with minimum fuss.
We pay you your commission on the day your case completes.
FAQs
When do you pay commission?
Commission will be paid to you on the day of completion.
Can you help clients who've been declined by their bank?
Yes – we place residential mortgage cases involving adverse credit, high income multiples (up to 6x income), and interest-only lending at higher LTVs that don’t fit mainstream criteria.
Do you handle first-time buyer cases as well as complex ones?
Yes – from straightforward first-time buyer and home mover cases through to complex, credit-challenged situations.
Can I place cases for expats or foreign nationals?
Yes – we assist expats, foreign nationals and offshore entities raising capital against a UK property.
Should my client remortgage or take a second charge loan to raise capital?
It depends on their circumstances – we’ll assess whether a first or second charge mortgage best suits the client’s situation.