If you have an enquiry about any of the following, we’re here to help:
Adverse Credit: Your credit history plays a key role in securing a mortgage. If you’ve experienced issues such as missed payments, defaults, CCJs, IVAs, or bankruptcy, it’s important to speak with a mortgage adviser before applying. There are specialist lenders who may still be able to help.
Restrictive Covenants (e.g. Section 106): Affordable housing schemes are becoming more common as property prices shift. Some homes come with restrictions, such as Section 106 agreements, and only certain lenders will consider these.
- Short-Term Lending (e.g. Bridging Finance): If you’re working to a tight deadline and need short-term funding, we can help you explore bridging finance and other suitable options. This service is offered by referral to a third party.
Properties with Land or Agricultural Ties: Homes with acreage are increasingly popular, but many lenders have restrictions on land size or agricultural use. Our market knowledge can help you navigate these complexities.
Retirement Interest-Only Mortgages: These products are designed for later-life borrowing. Independent legal advice is strongly recommended when considering this type of mortgage.
Joint Borrower, Sole Proprietor: This option allows a family member to support your mortgage affordability without being named on the property deeds — ideal for helping you get onto the property ladder.
Own New Scheme: We’re certified to offer this developer-funded scheme designed to make new-build homes more affordable. It includes:
- Rate Reducer: A standard mortgage with interest rates reduced by up to 4% during the initial period.
- Deposit Drop: Purchase a new-build home with just a 5% deposit.
