Tailored Mortgage Solutions
We tailor our products to fit clients’ unique circumstances and complex income structures. This approach is particularly beneficial for professionals struggling to demonstrate their mortgage affordability to conventional lenders.
Our Proud History
Since launching in 1998, our ethos has been to connect customers with specialist lenders while providing the best deals available. Our dedication has made us the go-to mortgage brokers for various professionals, including:
- Self-employed professionals
- Expatriates
- Complex buy-to-let investors
- Limited company contractors
- Freelancers
- Those needing adverse credit mortgages
- Independent professionals with non-standard income structures
Specialist Mortgage Criteria and Products
We work diligently with mortgage lenders to offer an unbeatable range of specialist mortgages. Our panel of over 170 lenders ensures we cover every possible scenario. This extensive network helps us create tailor-made loans for our diverse client base, adapting to their evolving needs. Below, we delve into the specific markets we serve.
Bespoke Mortgages for Unique Circumstances
Our flexibility extends to both lenders and borrowers. Being wholly independent, we collaborate with all lenders who share our flexible approach. This independence allows us to secure competitive mortgages for unconventional borrowers with complex circumstances. Here are some examples of the employment structures we cover:
Mortgage Solutions for Varied Needs
Bad Credit: Finding a mortgage with a bad credit rating or little credit history can be challenging. Our expert brokers can help you find a sympathetic lender.
Bridging Loans: For those needing short-term finance to fund a property purchase, we can arrange bridging loans. Our experts will help you choose between an open or closed loan.
Company Directors: We specialise in competitive mortgages for company directors, showcasing your true affordability to underwriters.
Expats: We arrange residential and buy-to-let mortgages for expats looking to refinance or buy UK property, helping you reconnect with your roots.
Foreign Nationals: We provide expert, confidential advice to non-UK residents and foreign nationals applying for residential or buy-to-let mortgages.
Guarantor Mortgages: If you have little or no deposit or low earnings, a guarantor mortgage might be the solution. Our experts can assess your eligibility.
Interest-Only Mortgages: Our detailed guide explores interest-only mortgages and repayment options. We help you compare the best rates available.
Large Mortgage Loans: We find solutions for clients with complex incomes looking to borrow £1,000,000 or more, excelling in sourcing bespoke funding for large loans.
Let-to-Buy Mortgages: Let-to-buy mortgages are ideal if you wish to buy a new property but can’t or don’t want to sell your current home. We can explore your options.
Limited Company Buy-to-Let: We provide options for repaying investment properties through a limited company or individually, considering post-2020 tax reforms.
New Build Mortgages: New build mortgages can be complex, especially for flats or ‘off-plan’ homes. Get tailored advice before committing.
Portfolio Landlords: We understand the nuances of complex portfolio landlord finance for landlords with four or more buy-to-let properties.
Second Charge Mortgages: Unlock equity for debt consolidation, home improvements, or buy-to-let with a second charge mortgage, keeping your current terms intact.
Self-Employed Mortgages: We offer self-employed mortgages with one year’s accounts. Our expert advice extends to sole traders, company directors, freelancers, and contractors.
Sole Traders: We help sole traders or partnerships secure mortgages with at least one year’s accounts, focusing on net profits.
Umbrella Employees: Our award-winning brokers specialise in mortgages for umbrella contractors, using gross contract earnings to assess affordability.
Specialist Mortgage Brokers
People choose us for our specialist mortgage advice for many reasons. We often receive referrals from third parties and existing customers. Many new clients find us after being let down by other lenders or brokers at the last minute. We excel at getting people unstuck with hard-to-place mortgages. Prevention is better than cure, so talk to us before you get stuck. However, if you’re already lost in the mortgage maze, we have solutions to guide you.
Connect Mortgages brings you the Connect Expert Mortgage Brokers directory, where clients can find a mortgage broker based on criteria such as gender, location, spoken language, expertise, and more.
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