Specialist Finance
Property finance beyond a standard residential mortgage.
Some borrowing needs fall outside a standard residential mortgage — buying or refinancing a property for business use, bridging a short-term gap between transactions, restructuring existing borrowing, or buying a property to let to tenants. Each works differently, and the right option depends on your circumstances and the property involved.
We'll look at what you're trying to achieve and compare suitable options from the lenders available to us, explaining the costs and any risks involved. If you decide to go ahead, we'll guide you through the application.
Explore specialist finance
Choose the situation closest to yours to find more detailed information.
Commercial Finance
Buying or refinancing property for business purposes.
Explore optionsBridging Finance
Short-term finance to bridge a gap between transactions.
Explore optionsRefinancing
Restructuring existing borrowing.
Explore optionsBuy-to-Let Mortgages
For buying property to rent out to tenants.
Explore options
What affects your mortgage options?
Lenders look at your income and regular financial commitments, alongside your credit history and the property you want to buy. Your deposit also matters. If you already own a home, the equity you have in it may help towards your next purchase. Each lender has its own requirements, so the options available will depend on your circumstances.
When comparing deals, it’s important to consider the fees and total amount repayable as well as the interest rate. If you’re changing an existing mortgage, early repayment charges may also affect the overall cost. A lower rate does not always mean a cheaper mortgage.
How mortgage advice works
Talk about your plans
We’ll start with your circumstances and what you need from a mortgage, so we can explore the options available to you.
Compare suitable deals
We’ll compare suitable deals from the lenders available to us and explain the repayments, fees and other costs.
Make your application
If you decide to go ahead, we’ll guide you through your mortgage application and the information your lender needs.
Getting started
Can we talk before I find a property?
Yes. You can explore your mortgage options while you’re still looking. Understanding how much you may be able to borrow, alongside your deposit and the costs involved, can help you plan your budget.
What should I have ready?
An idea of your income, regular spending and deposit is a useful starting point. If you already have a mortgage, details of your balance, repayments and when your current deal ends can help too. The documents needed for an application will depend on your circumstances.
What happens when I request a callback?
Draft — the button currently opens the contact page. The callback process and form delivery need confirming before launch.
Your home may be repossessed if you do not keep up repayments on your mortgage.
