Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property.

Specialist Lending

Complex financial situations
require expert solutions.

Don't let a "no" from the high street stop you. We specialise in helping clients with unique circumstances find the funding they need to move forward.

We Look at the Person, Not Just the Score

High street banks often rely on automated 'computer says no' decisions. We use manual underwriting lenders who listen to your story and understand the context behind the numbers.

Access to Specialist Lenders

We have access to a network of specialist lenders who don't appear on comparison sites. These lenders are designed specifically to help people with unique financial circumstances.

We Fight Your Corner

Complex applications require careful presentation. We package your application perfectly to give it the highest chance of approval, advocating for you every step of the way.

How we can help

Adverse Credit

Past financial difficulties don't have to define your future. Whether you have CCJs, defaults, or missed payments, we can help you find lenders willing to look past your credit history.

Self-Employed & Contractors

Complex income structures? We can help whether you have one year's accounts, retained profits, or are a day-rate contractor who struggles to prove income to standard banks.

Foreign Income & Visas

If you are a foreign national, on a spousal visa, or earn your income in a foreign currency, we can navigate the specific lending criteria to secure your UK property.

Debt Consolidation

If monthly unsecured debt payments are becoming unmanageable, we can look at releasing equity from your home to pay these off, potentially lowering your monthly outgoings.

Have a complex case?

Let's discuss your specific circumstances. We treat every application with total confidentiality and zero judgement.