WHAT WE DO?
Specialist Mortgage Knowledge.
Tailored Solutions for Complex Cases.
Clarity and Support from Start to Finish.
We support clients whose property needs fall outside traditional lending. Whether you need speed, flexibility, or bespoke structuring — we help secure the right finance for the situation at hand.
Your property may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate some forms of Buy to Lets.
Tailored Lending for Non-Standard Cases
We advise on mortgages that don't meet mainstream criteria - from unusual property types to income complexity and time sensitive purchases.
HMO & Multi-Unit Property Mortgages
We work with lenders who understand Houses in Multiple Occupation and multi-unit freehold blocks — including licensing and valuation challenges.
Holiday Let & AirBnB Finance
From short-term lets to furnished holiday lets, we secure specialist mortgages based on seasonal rental income and occupancy forecasts.
Solutions for Adverse Credit or Unique Circumstances
County Court Judgements, defaults, or non-standard income? We work with lenders who assess real-life situations — not just credit scores.
WHO WE HELP?
Developers. Portfolio Landlords.
Holiday Let Hosts.
Adverse Credit Clients. Time-Critical Buyers.
We support investors at every stage — whether you're buying your first rental or refinancing a multi-property portfolio.
Property Developers & Renovators
From auction purchases to light and heavy refurbishments, we can assist with getting your objectives complete.
Landlords with HMOs or Multi-Unit Blocks
We work with experienced landlords managing licensed HMOs or freehold blocks — structuring lending around rental yield and valuation type.
Holiday Let & Short-Term Let Owners
We help hosts and investors finance properties used for AirBnB, holiday lets, or mixed personal/rental use — with lenders who understand seasonal income.
Adverse Credit or Irregular Income
CCJs, defaults, or recently self-employed? We work with lenders who assess real-life circumstances and consider more than just your credit file.
Your Mortgage Journey. Simplified.
Here’s how we support you through the mortgage process.
01
Investor Consultation
We begin with a focused conversation about your goals — whether you're purchasing, refinancing, raising capital or planning long-term growth.
02
Strategy & Product Research
We assess your circumstances (rental yield, property type, ownership model) and source lender options that align with your short- and long-term plans.
03
Application Support
We manage the application process, prepare supporting documents, and ensure submissions meet lender criteria — reducing the risk of delays.
04
Liaising with All Parties
We coordinate with valuers, underwriters, solicitors and you — ensuring the transaction moves forward smoothly and efficiently.
05
Completion & Follow-Up
Once your mortgage completes, we’re available for portfolio reviews, refinancing advice, and strategy check-ins.
FREQUENTLY ASKED QUESTIONS
Here are answers to questions we're regularly asked. If you're unsure about anything else, we're always happy to talk it through.
How much can I borrow with specialist finance?
This depends on the type of finance, asset value, your experience, and the exit strategy. Whether it's a complex loan or development finance, we’ll guide you through lender criteria to find the best fit.
Do lenders assess my income or just the project?
Yes. We have strong relationships with lenders offering bespoke solutions for complex scenarios — such as adverse credit, non-standard properties, or time-sensitive deals.
Do you charge a fee for specialist finance?
Yes — our typical fee ranges from £100–£1000 depending on case complexity. We’ll always confirm this in writing before proceeding with any application.
Do you work with niche or complex lenders?
Yes. We have strong relationships with lenders offering bespoke solutions for complex scenarios — such as adverse credit, non-standard properties, or time-sensitive deals.
Can I apply if I’m an overseas investor or using a company structure?
Absolutely. Many specialist lenders accept applications via limited companies, LLPs, or for overseas clients — including expats and foreign nationals. We’ll help match you with the right lender.
What if I’m not ready to apply yet?
No pressure — we offer planning consultations for investors and developers. Whether you’re exploring options or preparing for a future project, we’ll help you build a strong foundation.