Specialist First Charge Mortgages

High street lenders don’t always fit every case. Where strict criteria creates barriers, we provide access to a range of flexible specialist mortgage solutions designed for more complex cases.

Our specialist first charge panel can help brokers place cases that may not fit mainstream criteria and turn declined applications into completions.

Key product features

• Maximum age 85
• Flexible income ratios
• Up to 85% LTV available
• Mortgages starting from £10,000
• Purchase and remortgage products
• Non-standard property type and construction
• Residential, CBTL and unencumbered accepted
• Fixed and variable rates, trackers and interest only options available
• Right to buy and shared ownership properties accepted - remortgage and purchase
• Recent adverse credit considered including: defaults, CCJs, secured arrears

Where we can help 

• Adverse credit (including CCJs, defaults, missed payments on credit and mortgages)
• Indebtedness or affordability issues
• Complex income types
• Maximum borrowing age limits
• Buying schemes (including right to buy and shared ownership)

How the referral process works

Simply send us your client’s name and number, and we’ll take it from there. We will:

• Complete the fact-find
• Identify suitable options
• Take full responsibility for the advice
• Manage the case through to completion

Once the case completes, you’ll receive a competitive commission package, often paid the next working day.