
Specialist mortgages
- Complex, non-standard or fluctuating income?
- Get access to specialist underwriting teams
- Competitive rates, even for irregular earners
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Get expert advice from one of our experienced brokers.
One benefit of using Mortgage Quest is leveraging our access to specialist mortgages. Using bespoke underwriting, we can help independent professionals where the High Street fails.
We tailor products to people’s unique circumstances and complex income structures. In other words, we help professionals who’d otherwise struggle to convey their mortgage affordability to a lender.
We have a proud history based on a solid ethos: we negotiate terms with mortgage providers direct. Since launching in 2004, this approach has helped us become the go-to mortgage brokers for:
- Self-employed professionals
- Limited company contractors
- Freelancers
- Independent professionals utilising non-standard income structures and earnings
CONTACT OUR MORTGAGE EXPERTS TODAY
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:

Bad credit
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.

CIS mortgages
We’ve been helping Construction Industry Scheme (CIS) contractors and subcontractors to secure mortgages for years. Build your future with us.

Expats
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.

Interest only
Explore interest-only mortgages and repayment vehicles using our detailed guide. Then, compare the best rates for current deals on the market.

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.

Second charge
Unlock equity for debt consolidation, home improvements, BTL (and more) with a second charge mortgage, while keeping your current terms intact.

Umbrella employees
Award winning brokers specialising in mortgages for umbrella contractors. We use your gross contract earnings to assess mortgage affordability.
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.