Specialist Mortgages

At Multibroker, we understand that not all borrowers fit into the standard mortgage mold. That’s why we offer specialist mortgages designed to cater to individuals with unique circumstances and specific needs. Whether you’re self-employed, have a complex income structure, or face other challenges, our specialist mortgage solutions can help you secure the financing you need for your dream home.

What are Specialist Mortgages?

Specialist mortgages are mortgage products specifically designed to meet the requirements of borrowers who don’t fit the traditional lending criteria. These mortgages take into account various factors beyond regular employment income, such as self-employment, adverse credit history, non-standard property types, and other complex financial situations. With specialist mortgages, you can access competitive rates and flexible terms, providing you with the opportunity to achieve your homeownership goals.

Who Can Benefit from Specialist Mortgages?

Our specialist mortgage solutions cater to a wide range of borrowers, including:

1. Self-Employed Individuals: If you’re self-employed and find it challenging to prove your income through traditional means, our specialist mortgages offer flexible underwriting criteria and alternative methods of assessing your affordability. We understand the unique financial circumstances of self-employed individuals and can help you navigate the mortgage application process with confidence.
2. Contractors and Freelancers: Contractors and freelancers often face hurdles when it comes to securing a mortgage due to their non-standard employment status. Our specialist mortgage products consider contract earnings, day rates, and future contract renewals, allowing us to provide tailored solutions that align with your income structure.
3. Individuals with Adverse Credit: We believe that past financial difficulties shouldn’t prevent you from owning a home. Our specialist mortgages accommodate borrowers with adverse credit history, including missed payments, defaults, or CCJs. We work with specialist lenders who consider a broader range of factors beyond credit scores, giving you a second chance to achieve homeownership.
4. Expats and Foreign Nationals: If you’re a UK expat living abroad or a foreign national looking to invest in UK property, our specialist mortgages can help. We have access to lenders who understand the unique circumstances of expats and foreign nationals, offering competitive mortgage products tailored to your specific requirements.

Non-Standard Property Types: If you’re interested in purchasing a non-standard property such as a thatched cottage, listed building, or a property with unique features, our specialist mortgages can provide the necessary financing. We work with lenders who specialize in non-standard properties and can navigate the complexities of these transactions.