The Mortgage Story

Specialist Lending

When your mortgage requirements don't fit the 'typical mould' with most lenders, you might need to consider specialist lending solutions

Specialist lending encompasses a variety of different areas such as self-employed, foreign nationals, expat/overseas, adverse credit as well as bridging finance and second charge loans or perhaps you might even be a professional such as a doctor or solicitor looking for an extra income stretch. At The Mortgage Story, we have the experience and expertise to find the perfect specialist mortgage product for your specific requirements. Whether you’re looking for a first home in Surrey or an investment property in Essex, we work by your side every step of the way to ensure a stress-free experience. Don’t hesitate to reach out to the team of dedicated advisors in Greater London to discuss your specialist lending requirements today.

Your specific set of circumstances and requirements will determine the type of lending that you require and the specific lenders that we will consider approaching with your case. There’s never a ‘one-size fits all’ when it comes to mortgages and that’s especially true when there are specific requirements or circumstances. So, it can sometimes be more difficult to find the right lender and financing on your own; you could save yourself a lot of time and stress by having a chat with one of the leading specialist mortgage brokers in Greater London about your situation and we can do the leg work in finding the right solution for you. 

With access to lenders from across the market you can trust that we will be able to find the right solution for you.

Specialist Mortgage Advisors Offering Lending Solutions in Surrey, Essex, and Greater London

As Specialist Mortgage Advisors, we can offer lending solutions with access to lenders from across the market and so you can rest assured that if there’s an option out there for your case, we can find it. We’ll take the time to sit down and listen to your plans and requirements so that we can gain a clear understanding of your situation, and this will help us to determine what solution might be needed for your case. From foreign nationals looking for second homes and buy-to-lets, to self-employed and adverse credit mortgages, we can help whether you’re based in the surrounding areas of London such as Essex or Surrey or if you’re based anywhere in the UK or globally we can help to find the solution for you. 

*please note that some specialist mortgages are provided by way of a third party broker*

How can we help?

There’s never a simple one-size-fits-all approach when it comes to mortgages, each individual has their own set of circumstances and requirements. Certain lenders may have better policies than others when it comes to certain elements of a case, so it’s up to us to find the right lender for your individual circumstances.

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Why Choose The Mortgage Story for Your Specialist Lending Solution?

Whether you’re self-employed, living overseas, navigating past credit challenges, or simply seeking specialist lending solutions, we have a mortgage path built just for you. Our team of expert brokers takes the time to understand your unique story and financial goals. We’ll guide you through every step of the process, ensuring you find the perfect mortgage match, with:

- Whole of Market Access: Whether you’re looking for a property in Essex, Surrey, or beyond, we compare offerings from across the entire lending landscape, bringing you the most competitive rates and terms tailored to your specific situation.
- Bespoke Expertise: Based in Greater London, our advisors have in-depth knowledge of specialist mortgages and lending solutions. We’ll navigate the complexities for you, finding the optimal solution for your needs.
- Empathetic Support: We understand that the mortgage journey can be stressful. We’re here to offer clear guidance, answer your questions, and advocate for you every step of the way.
So if your circumstances are a little bit more unique, then get in touch with us so that we can help to find you the best deal for your circumstances.

Get in touch to arrange a free consultation

What We Do For You

Source The Best Deals

Our role is to find you the best deal based on your circumstances and with access to the whole market, you can trust that we will find the best deal for you.

 

We’ll take into consideration your individual circumstances in order to find the most suitable lender for your case,

Provide Additional Services

There’s a lot to think about when it comes to buying a property, but there are other aspects, aside from mortgages that we can help with.
We can help with finding the right solicitor to deal with your case or even local firms to carry out your surveys if you like. It’s one less thing that you need to worry about.

Work Quickly and Efficiently

There’s nothing more frustrating than having a mortgage adviser who takes days to respond to your last email. So, we’ve made it our mission to always be as responsive as possible so that you can get the answers that you need in as little time as possible.

Specialist Mortgages

If you need assistance with arranging your mortgage, then get in touch with us using the form below. We will help to navigate you through the entire process, helping put the keys to your new home in your hands. 


For a free & personalised quote, get started by entering your details below.

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Check out our frequently asked questions below and if you have any of your own then get in touch and we'll happily answer those for you!

Specialist Mortgage FAQs

If I'm self-employed do I need a specialist lender?

Not necessarily, lenders do accept self-employed income, but the majority will require you to have been trading for at least 2 years and will base their affordability assessment on the latest two years figures. Some lenders will also work on your latest year's figures instead of the average of two years,  which could potentially enable you to borrow more if your latest year has improved. 

 

Most lenders require self-employed individuals to have been trading for more than two years, however,  there are lenders who can accept self-employed individuals if they have been trading for just one year. 

 

We would work with you to understand your current situation and establish your goals for purchasing a property so that we can help to determine the best lender for you. 

 

 

What are the costs involved with specialist mortgages?

This will depend entirely on the type of mortgage that you require. For overseas and expat mortgage, lenders tend to have specific product ranges and the interest rates can be slightly higher compared to their standard product ranges. There may also be higher application or arrangement fees to be paid to the lender. 

For bridging and second charge mortgages, the interest rates can be quite significantly higher in comparison to standard mortgages and can have higher arrangement fees too. 

 

As with any mortgage, you will always need to take into consideration stamp duty costs, solicitor fees, broker fees and any additional surveys that you might require to be carried out. 

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