What is a Specialist Mortgage?

Specialist Mortgages

Specialist mortgages cater to individuals with unique circumstances or specific needs that may not be addressed by traditional mortgage products.

These specialiSed mortgage options provide tailored solutions to help borrowers achieve their goals. Whether you're self-employed, have a less-than-perfect credit history, are a first-time buyer, or require a mortgage for a non-standard property, specialist mortgages can offer flexibility and accessibility.

With these mortgages, you can find financing options designed to suit your specific situation, ensuring that you can secure the necessary funds to purchase your dream home or invest in a property that meets your requirements.

By working with mortgage specialists who understand the intricacies of these niche markets, you can navigate the mortgage process more effectively and receive personalized advice to make informed decisions.

Specialist mortgages offer a valuable alternative for borrowers who may face challenges when applying for traditional mortgage products, providing them with the opportunity to realize their property aspirations.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. Some forms of Buy to Let Mortgages and Commercial Finance are not regulated by the Financial Conduct Authority. The Financial Conduct Authority does not regulate commercial finance and some forms of buy to let mortgage.


First-time buyer mortgages are tailored for individuals entering the property market for the first time, offering assistance and incentives to help them purchase their initial home.

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Bad Credit

Bad credit mortgages are specialised home loans tailored for individuals with poor credit history, providing opportunities to  home-ownership despite previous financial challenges.

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Ltd Co.

Unlike traditional mortgages for individual borrowers, a limited company mortgage allows the company itself to secure a mortgage to purchase commercial properties or investment properties.

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A commercial mortgage is a type of loan specifically designed for businesses and investors to finance the acquisition or re-mortgage of commercial properties they already own.

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Self Build

Self-build mortgages provide financing for individuals constructing their own homes, with funds released in stages throughout the construction process to cover costs. This can very long winded.

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Self-employed mortgages cater to individuals with their own businesses or irregular income, providing tailored financing options to accommodate their unique financial circumstances.

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Other specialist mortgages?

Two other examples are:

  • Non-standard property types, i.e. Timber Frame, cladding etc. while other environmental factors can impact lender's decision like Japanese Knotweed or a Commercial Property nearby.
  • Different types of buy-to-let (BTL) investments. For example: Holiday-Lets, HMO (House of multiple Occupancy and many more.         

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