First-time buyers, remortgage, buy-to-let, adverse credit and complex income. 100+ guides organised by situation, so you can find what applies to you.
Speak to an Adviser →Initial consultation is free, with no obligation to proceed. A broker fee of £299 is payable if you choose to proceed following a formal mortgage offer.
We consider mortgages from across the market rather than being tied to a single lender. Not all lenders or products may be included.
Advice is provided following a full assessment of your circumstances. Some services may be information only rather than regulated advice.
Complete guidance for every stage of buying your first home: from raising a deposit to getting a mortgage with complex income or adverse credit.
Low deposit routes onto the ladder
Wider lender choice at 90% LTV
Using a family gift as your deposit
Family support for borrowing power
Add income without adding to the title
100% mortgage routes explained
Income multiples explained
How student debt affects borrowing
Car finance and affordability
Maximising borrowing on modest earnings
Buying with someone who isn't a partner
Specialist lenders for adverse credit
Buying with a County Court Judgement
Buying with a registered default
Getting a mortgage with a thin credit file
Switching to a better rate, releasing equity, changing the structure, or remortgaging with a complex situation. The full remortgage silo covers every reason a homeowner remortgages.
Finding the best rate at remortgage
What to do when your deal expires
Timing strategy for the best rate
Leaving a deal before it ends
Which option suits your situation
All capital raising remortgage options
Fund renovations at mortgage rate
Replace high-rate debt with a mortgage
Raise capital to pay a departing partner
Release equity for a buy-to-let
Specialist lenders for adverse credit
Separating a joint mortgage after divorce
Remortgaging on reduced or returning income
Remortgage using trading income or accounts
Taking a name off the mortgage
Options when the interest only term ends
Complex credit histories, difficult life situations, and non-standard personal circumstances. These are situations where lender criteria varies significantly and the right lender matters.
Specialist lenders for adverse credit history
Mortgages with a County Court Judgement
Registered defaults and lender criteria
Mortgages during and after an IVA
Buying after bankruptcy is discharged
How payday loan history affects applications
Taking on a sole mortgage after divorce
Applying on reduced or returning income
Getting a mortgage in a new job
Mortgages for borrowers over 60 and 70
Mortgages in retirement with no end-date capital
Affordability when childcare reduces net income
Borrowing options and lender criteria for NHS staff
Later life lending, age limits and specialist products
Income assessment varies considerably by employment type. Self-employed, contractors, CIS workers, zero hours and variable income all require different documentation and lender criteria.
Sole trader, partner and director income
Day rate and contract-based affordability
Construction industry scheme income
Salary plus dividends assessed correctly
SA302 and net profit income assessment
Variable and irregular income lenders
Temporary and agency employment
Annual or quarterly bonus assessment
Regular and guaranteed overtime
Commission-based and variable pay
Mortgages with only one year of trading history
Income assessment for part-time workers
Getting onto the property ladder with a small deposit, a gifted sum, or a scheme. Routes to home ownership for buyers who do not have a standard deposit saved from their own resources.
95% LTV and government-backed schemes
90% LTV and wider lender choice
Using a family gift as the whole deposit
Family support for borrowing power
Boost income without adding to the title
Buying your council home at a discount
Part-buy, part-rent from a housing association
Springboard and family link products
Buying from family at below market value
Non-standard construction, high-rise flats, ex-council homes, new builds and other property types that mainstream lenders may restrict or decline. Lender criteria varies significantly by property type.
Developer incentives and retention clauses
Lenders for unusual build materials
Former local authority homes and lenders
Cladding, EWS1 and above-floor-six flats
Minimum square footage and lender criteria
Lenders who accept timber frame construction
PRC, BISF and other concrete property types
Properties with a self-contained annex
Investment property mortgages for first-time landlords, experienced portfolio holders, limited company structures, and specialist let types including HMOs, holiday lets, and multi-unit blocks.
Entering the rental market for the first time
Houses in multiple occupation and licensing
SPV structures and corporation tax considerations
Short-term let and seasonal income assessment
Lenders who accept short-term platforms
Four or more properties and specialist criteria
Blocks of flats on a single title
Properties let to students and AST requirements
Practical guides covering mortgage types, overpayment strategy, property surveys and more. Reference content for buyers, homeowners and investors at every stage.
How overpaying reduces interest and term
How tracker rates work and when to consider one
Early exit fees and when it makes sense
Taking your mortgage with you when you move
High-value lending and lender criteria
HomeBuyer Report vs Building Survey explained
Loan-to-value explained for buyers
What it covers and when you need it
Replacing income if you cannot work
Cover for your mortgage and dependants
Whatever your situation, a short conversation is the quickest way to find out what is realistic. No charge for the initial consultation, no obligation to proceed.
Speak to an Adviser →Initial consultation free. A broker fee of £299 is payable if you choose to proceed following a formal mortgage offer. We may also receive commission from lenders.
Buying a home or reviewing your mortgage can feel complicated, but it doesn’t have to be. A quick conversation can give you clarity on your options, your budget, and the next realistic steps. There is no obligation and no pressure, just straightforward guidance tailored to you. Complete the short form below and we will be in touch to help you move forward with confidence.
