
Our Services
PCC Mortgages for New Builds
Key Takeaways New builds with a PCC (Proprietary Consumer Code) certificate instead of the standard 10-year warranty may face unexpected mortgage application rejections. Developers sometimes opt for a PCC to cut costs, but lenders often view this as a red flag and may...
High Value Holiday Let Mortgages
Key Takeaways High value holiday let mortgages require specialised expertise and often necessitate working with niche brokers and lenders. Traditional stress testing methods may be inadequate for luxury holiday lets, prompting the need for alternative assessment...
High Value Buy to Let Mortgages
Key Takeaways High value buy to let mortgages often require specialised brokers and lenders Traditional stress testing may be insufficient for premium properties Alternative options like top slicing can help secure necessary borrowing Lenders with flexible criteria...
Mortgages for Equity Partners
Key Takeaways Equity partners often face unique challenges when applying for mortgages due to complex income structures. Traditional lenders may struggle to accurately assess the true earning potential of equity partners. Specialist mortgage brokers can help equity...
Mortgages for High Earners
Key Takeaways High earners may qualify for loans exceeding 4.5 times their salary Options include higher loan-to-value ratios and interest-only mortgages Specialist brokers can facilitate access to bespoke mortgage products Certain professions may be eligible for...
Mortgages for Professionals
Key Takeaways Professionals may be eligible for mortgages exceeding 4.5 times their salary Specialist brokers like Private Mortgages can secure potentially better terms for certain careers Specific professions (e.g., doctors, solicitors, financial advisers) may...
Mortgages for Changes in Employment
Key Takeaways Employment changes can significantly impact mortgage eligibility and terms Specialist brokers are often essential for securing mortgages during career transitions Lenders assess various factors beyond traditional employment status Self-employed...
Bridging Loans for Unique Properties
Key Takeaways Unique properties often require specialised financing solutions due to their distinct characteristics and limited buyer pool Bridging loans offer a flexible, short-term financing option for acquiring or renovating unique properties Specialist brokers,...
Buying a Working Farm with a Residential Mortgage
Key Takeaways Purchasing a working farm with a residential mortgage presents unique challenges due to the property's dual residential and commercial nature. Specialist brokers, such as Private Mortgages, are often necessary to secure appropriate financing for farm...
Bridging Loans Secured Against Company Sale
Key Takeaways Bridging loans can be a strategic tool for upsizing in advance of a company sale payout Specialist brokers are essential for navigating the complexities of these financial arrangements Lenders cannot technically consider company sales as part of the exit...
High Loan to Value Bridging Loans
Key Takeaways High LTV bridging loans cater to professionals and investors with unique financial profiles No strict LTV limits for high-earning clients, with considerations for assets up to £3 million Ideal for those with significant investments or high-income career...
Mortgages for Unique Properties
Key Takeaways Unique properties often require specialist mortgage solutions due to their non-standard nature Working with a specialist mortgage broker can significantly streamline the application process Valuation and surveying of unique properties may present...
Mortgages for High Acreage Properties
Key Takeaways High acreage properties often require specialised mortgage solutions due to their unique characteristics and valuation challenges. Working with a specialist mortgage broker can significantly streamline the application process for high acreage property...
High Loan to Value Interest Only Mortgages
Key Takeaways High LTV interest-only mortgages are tailored for individuals with substantial wealth in illiquid assets These mortgages prioritise cash flow and protect sentimental investments Specialist mortgage brokers are crucial for maximising borrowing potential...
Mortgages for Barristers
Key Takeaways Specialist mortgage brokers are crucial for barristers seeking to maximise borrowing potential 'Work in progress' can be factored into mortgage applications, potentially increasing loan amounts Tailored mortgage solutions exist for legal professionals,...
Mortgages for Newly Admitted Law Firm Equity Partners
Key Takeaways Equity partner status significantly impacts mortgage applications due to complex income structures Specialist mortgage brokers are crucial for maximising borrowing potential Bespoke underwriting decisions are often necessary for newly admitted equity...
Mortgage Based on Your Most Recent Year’s Annual Bonus
Key Takeaways Lenders typically consider multiple years of bonus history, but some may be able to focus on just the most recent year Specialist mortgage brokers can help present your earnings favourably to lenders Your earnings trajectory and contract specifics can...
Mortgages for LTIPs (Long Term Incentive Plans)
Key Takeaways LTIPs can significantly impact mortgage applications, requiring specialised lender understanding High street banks rarely accommodate LTIP income, necessitating specialist mortgage brokers Private banks and family offices often offer bespoke solutions...
Mortgages for Restricted Stock Units (RSUs)
Key Takeaways RSUs present unique challenges in mortgage applications due to their variable nature Specialist mortgage brokers are crucial for leveraging RSUs effectively High street banks rarely accommodate RSUs, necessitating alternative lending options Private...