Helping lenders develop their non-standard mortgage criteria
We’ve had to work hard and diligently with mortgage lenders to bring you our unbeatable specialist mortgage range. It’s taken a long time, but attitudes to lending to the self-employed are finally changing.
Our toil has paid dividends at the highest levels. We can proudly say that we’ve been instrumental in changing many traditional, institutional, biased attitudes.
Now, with our help, lenders can see the potential of non-standard income where they couldn’t before! We are the conduit, the interpreters of that specialist income, if you like.
This success means that we now collaborate and partner with both mainstream and specialist lenders. This helps provide a broad range of non-standard mortgages based on bespoke underwriting criteria.
Bespoke mortgages for people with unique circumstances
We remain flexible in our outlook, both to lenders and borrowers alike. We’re also wholly independent, meaning we can liaise with all lenders that adopt a similar approach.
This enables us to secure competitive mortgages for unconventional borrowers with complicated circumstances. This list isn’t exhaustive, but highlights the diversity of employment structures we cover:
Getting a mortgage with a bad credit rating or little credit history can be hard. Our expert brokers can help to find you a sympathetic lender.
When you need short-term finance to fund a property purchase, we can help arrange a bridging loan. Talk to our experts for an open or closed loan.
We’re specialists in providing competitive mortgages for company directors. We know how to highlight your true affordability to underwriters.
We’ve been helping Construction Industry Scheme (CIS) contractors and subcontractors to secure mortgages for years. Build your future with us.
We’ve helped shape how contractor mortgages now work for contractors and lenders. Ltd Co, umbrella or PSC, see why we’ve won so many awards.
Whether you are a doctor, surgeon, dentist, locum, nurse or NHS worker, our expert brokers can find the right mortgage solution for your needs.
We can arrange residential and buy-to-let mortgages for expats looking to refinance or buy a UK property. We’ll help you repatriate your roots.
Specialist broker for non-UK residents and foreign nationals applying for residential or buy-to-let mortgages. Get expert, confidential advice.
If you have little or no deposit, or are on low earnings, a guarantor mortgage could be the answer. Our experts can check how eligible you are.
Explore interest-only mortgages and repayment vehicles using our detailed guide. Then, compare the best rates for current deals on the market.
Large mortgage loans
We find solutions for clients with complex incomes looking to borrow £1,000,000 or more. We excel in sourcing bespoke funding for large loans.
Let-to-buy mortgages are ideal if you want to buy a new property, but can’t or don’t want to sell your current home. Let’s explore your options.
LTD company buy-to-let
Do you repay your investment property through your limited company or after tax as an individual? We look at both options post-2020 tax reforms.
New build mortgages aren’t straightforward. Is it for a flat? Is the home you want ‘off plan’? Get tailored mortgage advice before you commit!
Are you a landlord with four or more buy-to-let investment properties? We understand complex portfolio landlord finance. Read our nuanced guide:
Unlock equity for debt consolidation, home improvements, BTL (and more) with a second charge mortgage, while keeping your current terms intact.
Self-employed mortgages with one year’s accounts! Expert advice for sole traders, company directors, freelancers and contractors up to 95% LTV.
Sole trader or partnership mortgages with at least one year’s accounts or an SA302 less than 18 months old: our lenders assess your net profits.
Award winning brokers specialising in mortgages for umbrella contractors. We use your gross contract earnings to assess mortgage affordability.
Are you a temporary agency, short-term or zero-hour contractor? Use us to access underwriting teams sympathetic to temp and zero-hour contracts.
Specialist mortgage advice
People choose us for specialist mortgage advice for many different reasons. Third parties and existing customers often refer their friends and colleagues to us. Alternatively, people find us through our extensive social media and web presence.
Many new clients discover us after a lender or other broker has let them down at the last minute. They desperately need to speak to someone who understands their situation. That’s what we excel at: getting people unstuck with hard-to-place mortgages.
Talk to us before you get stuck. Prevention is always better than cure. But we do have ways out if you’re already lost in the maze.
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262 Uxbridge Road
Hatch End, Pinner
Important: Your home/property may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it.
Legal: Mortgage Quest is a registered trademark of Mortgage Quest Ltd. We are a credit broker, not a lender. We are whole of market independent mortgage brokers. We are authorised and regulated by the Financial Conduct Authority under firm reference number 312484. Registered in England No. 5013239. Registered office address for Mortgage Quest Ltd is Avondale House, 262 Uxbridge Road, Hatch End, Pinner, Middlesex, HA5 4HS. The FCA does not regulate some investment mortgage contracts.