Specialist First Charge Mortgages

Your clients may not always meet high street lenders' strict criteria, but we offer a range of flexible alternative solutions.

Our Specialist First Charge Mortgage panel helps intermediaries across the UK find the right solutions for their complex cases. This includes home movers, first-time buyers, remortgages (pound-for-pound or with capital raising), and clients with unencumbered properties.

Key product features

• Maximum age 85
• Flexible income ratios
• Up to 85% LTV available
• Mortgages starting from £10,000
• Purchase and remortgage products
• Non-standard property type and construction
• Residential, CBTL and unencumbered accepted
• Fixed and variable rates, trackers and interest only options available
• Right to buy and shared ownership properties accepted - remortgage and purchase
• Help with any legal purpose, including debt consolidation, home improvements, property purchase / deposit, tax bill and lease extension
• Recent adverse credit considered including: defaults, CCJs, secured arrears - Most adverse credit ignored by lenders if >2 years old

Where we can help 

We can help with clients who have been declined by high street lenders due to:

• Adverse credit (including CCJs, defaults, missed payments on credit and mortgages);
• Indebtedness or affordability issues;
• Complex income types (including variable pay elements, multiple income sources, day rate workers, less than 2 years self-employed);
• Maximum borrowing age limits;
• Buying schemes (including right to buy and shared ownership); 
• Challenges with income proof.

Check out our case studies to see how we’ve helped other brokers and their clients navigate complex mortgage needs.

How the referral process works

1. Refer your client to us: Just send us their name and number, and we'll take it from there.
2. Fact-find and product sourcing: We'll complete the fact find and source the most suitable solution.
3. Advice and application management: We take care of everything from providing expert advice to managing the application process all the way to completion. You can choose how involved you want to be at every stage, but rest assured, we'll keep you updated regularly throughout the process.
4. Commission paid promptly: Once completed, you’ll receive a competitive commission package, usually paid the next working day after completion.

Ready to get started?  

For all Specialist First Charge Mortgage enquiries, please call our team of experts on 0800 032 9595 or you can send us more details using our enquiry form and we'll call you. Alternatively, you can get an indicative online quote to give you an idea of rates here.

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