Complex mortgages – a common sense lender

Specialist whole-of-market lending solutions structured across 90+ UK lenders. Rapid decisions, direct underwriting criteria, and competitive terms for complex borrowing requirements.

Whole-of-Market Access: Over 10,000 specialist lending products
Fast Completion Speeds: Dedicated broker underwriting for time-sensitive deals
FCA-Authorised Guidance: 35+ years independent UK credit brokerage

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Complex mortgages

I want to let you know about an exciting new First Mortgage lender recently added to our panel.

A lender with decent criteria but which applies heaps of common sense too.

Apply this test

If you feel the case makes good sense – the positives outweigh the problems – then give me a call.

Obviously be mindful of the regulatory landscape (no self cert’s etc.) but a strong case never goes ignored – see below:

Day 1 self-employed projected income considered with relevant experience

The applicant was employed and managing a wine bar and an opportunity came to purchase the business.

He took the opportunity to buy the wine bar and at the same time decided he wanted to move closer to his business.

The case was accepted on a self employed basis based on projected income because of the borrowers strong previous experience and taking over a successful business.

Contract worker with less than 3 months left on a contract considered

This applicant was working on a short term 3 month contract with 2 months left to run and no automatic renewal. He was in a profession where there is good demand for his skills and the lender was therefore comfortable to recommend the application for funding.

Other useful considerations

Adverse rates from 2.39%
Consider 1 years accounts for Self Employed in a new field of business
Dependent relative mortgages
Mortgages for people working abroad
Zero hours contracts accepted

Every deal has a story.

If you have a first mortgage case to place which makes sense, call me and I’ll try this lender for you.

www.promisemoney.co.uk

Latest Articles

Whole-of-Market Guidance for Specialist Mortgages

Securing competitive terms on specialist mortgages requires expert underwriting knowledge. In addition, our specialist broker team works directly with over 90 specialist lenders across the UK.

Consequently, reviewing your specialist mortgages options with an FCA-authorised specialist credit broker ensures whole-of-market access while avoiding unnecessary fees and delays.

Explore Specialist Mortgages →

Key Takeaways: Specialist Mortgages Summary

Additionally, property valuations can often be expedited, significantly reducing upfront costs and surveyor delays.

Furthermore, specialist residential lenders assess affordability based on real financial circumstances rather than automated credit scoring.

Consequently, home buyers and refinancing borrowers can secure competitive rates across 90+ UK specialist lenders.

Therefore, working with Promise Money ensures you compare optimal rates and terms for your borrowing needs.

Specifically, flexible repayment options—including fixed-rate and tracker structures—can be tailored to protect your household budget.

Moreover, mortgage facilities can be structured with clear terms to support future financial flexibility and peace of mind.

In addition, non-standard properties and self-employed applicants can be financed without high street retail banking restrictions.

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