Residential Mortgages
- Specialist Hub arranges regulated residential mortgages, from straightforward purchases to cases mainstream lenders decline.
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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 suits your situation best
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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
- Where you are raising capital, we can also assess whether a first or second charge provides the most suitable outcome.
How it works
Send us
your enquiry
your enquiry
Share a few details and tell us what you need.
We source
the right solution
the right solution
Our specialists match you with the best options for your situation.
Your receive
your funding
your funding
Once approved, the funds are released quickly and securely.
Residential Mortgages FAQ
Can you help if I've been declined by my 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 help first-time buyers as well as complex cases?
Yes, from straightforward first-time buyer and home mover cases through to complex, credit-challenged situations.
Can expats or foreign nationals apply?
Yes, we assist expats, foreign nationals and offshore entities raising capital against a UK property.
Should I remortgage or take a second charge loan to raise capital?
It depends on your circumstances – we’ll assess whether a first or second charge mortgage suits your situation best.