Specialist mortgages
Low credit score, adverse profile, or income that does not fit the mould high-street lenders expect? Then a specialist mortgage may be the route. Angela sources specialist mortgages for people struggling to get approved through traditional channels, with access to lenders whose whole business is non-standard circumstances.
One conversation establishes whether you qualify and which lender fits.
Specialist territory
- Low credit score
- Adverse credit profile
- Self-employed income
- New job or probation period
- Single income household
- Unusual circumstances
When the high street says you do not fit
Plenty of good borrowers simply do not match standard criteria: a credit blip, a new job, income that arrives in an unusual shape. Specialist lenders exist precisely for these cases, with eligibility criteria designed around real circumstances rather than a template.
Angela works with lenders who specialise in customers with low credit or other factors that set them apart from the average buyer, and she will tell you straight which route fits before anything goes near an application.
Based in Benfleet, Essex - advising clients across the whole of the UK.
From clients who stood where you are
We had an amazing experience with our mortgage broker Angela and assistant Morgan. She secured a JBSP mortgage for us for the first time and guided us through the whole process with complete clarity. We were working to what felt like an impossible timeframe but she went above and beyond to make sure everything was moving in the right direction, even down to getting the Solicitors’s to hurry things along. Her support made a stressful situation so much easier and we couldn’t recommend her highly enough!
Angela and her team are amazing. She took the time to listen and support our family with a RTB mortgage even though it looked like a mammoth task. She was there at every step to answer questions and to give guidance where needed. Angela and Morgan are still very much involved with supporting the family with the final stages. She was able to make our dreams come true. Securing the house for the future of my boys. Thankyou so much for all of your support, advice and guidance.
Fair questions, straight answers
How do I know if I need a specialist mortgage?
If you have struggled to get accepted through high-street lenders because of your credit profile, income shape or circumstances, you are likely specialist-lender territory. One conversation with Angela establishes it either way.
Are specialist mortgages more expensive?
Rates reflect the lender and your circumstances. The point of whole-of-market advice is finding the best available fit now, with a plan to move to mainstream rates at remortgage time once your position strengthens.
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Circumstances a bit different?
Complex income, unusual situations - this is what we specialise in. Whole of market, and we never judge.
Seven quick questions. Nothing touches your credit file.
or call 01268 387898