When it’s not straightforward, we shine.

Being your own boss shouldn’t make buying a home harder. Lenders assess self-employed income very differently, and that difference can change how much you can borrow by tens of thousands of pounds.

• Sole traders and partners: SA302s and tax year overviews
• Limited company directors: salary + dividends, or salary + share of net profit
• Contractors: day-rate assessments without full accounts
• Newly self-employed, sometimes with just one year’s figures

Age is no longer a barrier to borrowing. Many lenders now offer mortgages that run well into retirement, assessed on pension and investment income.

• Retirement interest-only (RIO) mortgages
• Standard mortgages with terms extending past retirement age
• Helping family onto the ladder with a later-life loan
• Joint-borrower, sole-proprietor arrangements

A lifetime mortgage lets homeowners aged 55+ release tax-free cash while staying in their home. See our equity release guide for full details.

Saving a deposit while paying rent is hard. A small number of lenders offer 100% mortgages, and family-assisted products can let parents help without handing over cash.

• 100% LTV products for proven renters
• Guarantor and joint-borrower options
• Family springboard and deposit-gift structures

Commercial mortgages are underwritten differently from residential ones, and many applications fail because they reach the wrong lender with the wrong information. We prepare your case properly from the start.

• Owner-occupied and investment commercial property
• Semi-commercial (shop with flat above)
• Bridging finance and auction purchases
• Development and refurbishment finance

Whether you’re on a Skilled Worker visa, a spousal visa or have just arrived, we can help you find lenders that accept your residency status, including for buy-to-let.

• Skilled Worker, family, Global Talent and other visa routes
• Limited UK credit history
• Foreign national buy-to-let
• Clear fee: £295 total (£95 upfront for your DIP, £200 on completion)

Missed payments, defaults, CCJs or a debt management plan can make the high street say no. Specialist lenders look at what happened, when, and how you’ve managed since.

• Defaults, CCJs and missed payments
• Debt management plans and IVAs (completed or ongoing)
• Debt consolidation remortgages, with honest advice on the long-term cost

Shared ownership lets you buy a share of a home, typically between 10% and 75%, and pay rent on the rest. You can buy more over time, which is known as staircasing.

• Housing association eligibility and affordability checks
• Lenders that accept shared ownership
• Staircasing mortgages when you’re ready to buy more