Specialist Lending Mortgage Advice
If you’re struggling to get accepted for a mortgage or loan, specialist lending options are available to either help you start, or get back on, the property ladder. This section of the mortgage market helps those who need additional support, whether it’s applying for a mortgage with bad credit, or building or purchasing a complicated property.
At JWD Mortgages our brokers will monitor, support and ensure that you get the best deal via our referral partners and lenders. We also collaborate with industry experts to ensures you achieve the best solution for your circumstances.
Why choose JWD Mortgages?
Advisors in Bath, Bristol & Cornwall
Experienced dealing with unique cases
Transparent pricing with no hidden fees
Access the best lending rates across the UK
Specialist Lending Explained
What is “specialist mortgage lending”?
Specialist mortgage lending are alternative lending solutions for buyers unable to meet the usual criteria for a standard mortgage application.
Buyers can fall into this category for any number of reasons. from having a bad credit score, to require bridging finance. For buyers seeking specialist lending our mortgage brokers can help refer you to specialist teams for bridging finance, secured loans and development finance.
Why use a specialist mortgage lender?
For some applicants specialist lending may be the only way to apply for a mortgage. For example if you have a complex income, you’re applying to purchase a non-conventional property or have filed for bankruptcy previously. Our mortgage brokers will research this space very carefully for you.
If what you need isn’t available on the main market, we can refer to a specialist team who can source, find & solve specialist issues. Sometimes our team will work hand in hand with external partners, to help you secure a property quickly.
Can I get a mortgage with bad credit?
There are plenty of adverse lending solutions for standard residential mortgages, including for those with bad credit scores. It is worth noting that if your credit score is bad, the interest rate you receive is likely to be higher.
Our team will try hard to find you cheaper options via extensive market research.
What is a specialist mortgage lender?
A Specialist mortgage lender is any lender who offers unique and non-standard solutions to solve the issues preventing an applicant from obtaining a mortgage. Be it income or credit related, or an application for short-term lending.
Where can I find a specialist lender?
The best way to find a specialist lender is to go though an experienced mortgage broker with third party contacts. This way you can explore options and get access to more specialist lending opportunities.
Can I use a specialist lender for buy to let?
Yes, specialist lending is available for complex buy-to-let mortgages. This will be determined on a case by case basis, but lending can be obtained to purchase rental properties, or to fund self build projects.
Use Specialist Lending For Your Mortgage
As a specialist mortgage broker JWD Mortgages have access to the whole UK lending market as well as a network of specialist financial lenders. Most mortgage applications are made to high street lenders such as banks and building societies, however these lenders will naturally prioritise the most straight forward mortgage applications. This is where smaller specialist lenders can be hugely beneficial. Specialist lenders offer more bespoke solutions to applicants who have either had a mortgage application rejected, or received a higher than expected interest rate from other the high street lenders. They are more likely to take the time to understand your individual case before determining your eligibility and a potential mortgage offer.
Our network of specialist lenders allows us to find unique mortgage solutions for our clients. Whether it’s purchasing an unconventional property, funding a self build or applying for a mortgage with various streams of income. To ensure your mortgage application runs as smoothly as possible, our mortgage brokers will support you from early application to completing on your property.