• 167–169 Great Portland Street, 5th Floor, London W1W 5PF
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Our Services

Specialist help for more complex cases​

Adverse credit, self-employed and contractor income, expats and foreign nationals — the cases the high street often turns away are exactly where we add the most value.
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Your home may be repossessed if you do not keep up repayments on your mortgage.

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Not every situation fits a high-street tick box. We work with lenders who assess applications on their merits, and we are honest with you about what is realistic.

Adverse Credit Mortgages

A less-than-perfect credit history does not have to mean the end of your plans. Whether you have missed payments, defaults, a CCJ or a previous arrangement behind you, there are lenders who look at the full picture rather than a single score.

  • Mortgages after defaults, CCJs or missed payments
  • How the age and size of past credit issues affect your options
  • Lenders who assess applications individually rather than by automated score
  • Steps you can take to improve your position over time

We will be honest about what is realistic, and where the right option is to wait and prepare, we will tell you that too. Adverse credit lending is still a mortgage secured on your home.

Self-Employed & Contractor Mortgages

If you are self-employed, a company director or a contractor, your income is just as real — it simply needs presenting in the way lenders understand. We know which lenders take a sensible view of variable and contract-based income.

  • Lenders who consider one, two or three years’ accounts
  • How sole trader, partnership and limited company income is assessed
  • Day-rate contractors and how lenders calculate borrowing
  • Retained profit and dividends, and the lenders who recognise them

We help you gather the right evidence — accounts, tax calculations and contracts — and place your case with a lender suited to how you actually earn.

Expats & Foreign Nationals

Buying or refinancing UK property while living abroad, or as a foreign national, brings extra considerations around income, currency and identity checks. We work with lenders who are set up for international clients.

  • UK residential and buy to let purchases for expats
  • Lenders comfortable with overseas and foreign-currency income
  • Identity, residency and anti-money-laundering requirements
  • Considerations for foreign nationals living and working in the UK

We will explain the documentation involved early on, so the process runs smoothly despite the distance.

High Net Worth (HNW) Mortgages

High net worth clients often have income and assets that a standard mortgage assessment simply is not built to handle. We work with private banks and specialist lenders who take a bespoke, relationship-led approach and look well beyond a basic salary multiple.
  • Complex income streams bonuses, dividends, carried interest, retained profits and overseas or investment income
  • Interest-only lending assessed against your assets and a credible repayment strategy
  • Large loans higher-value and higher loan-to-value cases considered on their individual merits
  • Private bank access lenders who underwrite each case individually and can offer tailored terms

Lending is arranged around your wider financial picture, often working alongside your accountant or wealth manager. As with any mortgage secured on your home, your property is at risk if you do not keep up repayments.