Our Clients

  • Specialist Mortgage Advisers.

  • We work with a variety of lenders.

  • Access to competitive rates and some you can't get direct.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Get in touch for a fee free, no-obligation chat about how we might be able to help you.

Legal Professionals

Newly Made-Up Partners

Newly qualified law partners can often get a UK mortgage from day one, using minimum drawings. Lenders vary on treatment of bonuses, profit shares, deposits, and interest-only options—expert advice is key.

Established Equity Partners

LLP partners can secure mortgages, with varying lender criteria. New partners may borrow against fixed drawings; established partners use tax records. Deposit size, income, and credit history impact

Professional Mortgages

Qualified professionals (lawyers, doctors, dentists) may access enhanced mortgage terms, including higher borrowing limits. Benefits vary by lender. Definitions, income types, and deposit needs differ.

Foreign Nationals

Skilled Worker Visa

UK mortgages are possible on a Skilled Worker visa. Lenders assess deposit size, residency length, visa term, income, and credit history. Criteria and options vary between lenders and change over time.

Tier 2 Visa

UK mortgages are available to Tier 2 visa holders, though criteria vary. Key factors include residency, visa length, income, deposit size and credit history. Lender requirements differ and can change frequently.

Foreign Currency Income

Foreign Currency Overview

UK mortgages can accept foreign currency income. Criteria vary by lender, including accepted currencies, income adjustments (“haircuts”), deposit size, and employment location. Some lenders also accommodate joint applications, and bonuses. Residency status influences eligibility.

Income in Euros

UK mortgages can accept euro income. Key factors include currency “haircuts,” lender policies, employment location, and residency status. High street lenders can accommodate Euro income. Documentation and exchange rates affect affordability.

Income in US Dollars

UK lenders highstreet lenders can accept US dollar income. Income is converted to sterling with potential “haircuts.” Key considerations include employment location, lender criteria, currency stability, and required documentation.

Software Developers

Restricted Stock Unit (RSU) Income

Some UK lenders accept RSU income toward mortgage affordability. Typically, lenders require two to three years of consistent RSU income history. Treatment varies by lender. Vested RSUs can sometimes also contribute to deposit funds.

Expatriates

Returning Expats

Returning UK expats can typically secure a mortgage before or after moving back. Lender options depend on credit history, income source, residency plans, and timing. Maintaining a UK credit footprint improves eligibility and simplifies applications.

Complex Income Structures

Complex Income Overview

Complex income includes bonuses, RSUs, commissions, foreign currency, self-employed earnings, or investments. Lenders assess each differently. Criteria, income treatment, and borrowing capacity vary widely. Document preparation and understanding lender policies are key for successful applications.

High Net Worth

High net worth mortgages involve larger loans with more detailed income and asset assessment. Lenders may consider assets over income. Deposit requirements and lending limits vary. Private banks and large loan teams offer tailored options.

Restricted Stock Unit (RSU) Income

Some UK lenders accept RSU income toward mortgage affordability. Typically, lenders require two to three years of consistent RSU income history. Treatment varies by lender. Vested RSUs can sometimes also contribute to deposit funds.

Day Rate Contractors

Day rate contractors can get mortgages, though lender treatment varies by contract type. Some use annualised day rates, others require tax history. Deposit and product options are similar to employed applicants.

Self Employed

Self-employed mortgages typically require two years income history. Lenders assess income consistency and may limit borrowing or deposit requirements. Affordability is calculated similarly to employed applicants, using tax returns and supporting documents.

Borrower Types

First Time Buyers

First Time Buyers can access standard mortgage products and sometimes incentives like cashback. Key considerations include deposit size, affordability, product type, and securing an Agreement in Principle early. The process mirrors other mortgage applications.

Home Movers

When moving home, you can either take a new mortgage or port your existing product. Key considerations include affordability, equity, costs like stamp duty, and whether porting fits your plans.

Remortgaging

A remortgage replaces your current mortgage, often to secure a better deal as your initial term ends. The process involves affordability checks, property valuation, and product selection. Starting six months ahead gives time to explore options.

Offset Mortgages

An offset mortgage links savings to your mortgage, reducing the interest charged. Savings remain accessible, and you can lower monthly payments or shorten the mortgage term. Offset products typically carry higher rates, so suitability depends on circumstances.