For those cases that fall outside standard specialist criteria. Quirks such as social housing leases, complex securities, layered company structures, expats and foreign nationals and adverse credit – we still keep things straightforward.
With access to the lowest rates and the widest range of products on the market, we sense-check early and package it perfectly so even the most complex circumstances will get through underwriting the first time. We’re clever like that.
We don’t just “find rates.” We navigate the entire process for you and get you the best possible terms. Whether it is reviewing social housing leases (how long they run and who they’re to, including providers such as Care in the Community, SERCO and NACRO), complex properties like flats above shops, high-rise, short leases, non-standard construction and semi-commercial layouts, as well as layered company structures (holding companies, trusts and charities).
We also support expats, foreign nationals buying for UK investment, and cases involving adverse credit – all placed with lenders who specialise in the nitty-gritty.
Typical Timings: Specialist circumstances vary, as do the timings. With the right documents ready upfront, many cases can still move quickly but we will push forward, regardless.
Send the outline: property and security, amount and leverage, timescale, exit, and any quirks, and we will come back within 24 working hours with target lenders and the likely structure.
One checklist per lender and no blanket uploads - which means fewer re-underwrites.
We submit the DIP to secure initial terms, then move straight into full application. Once the pack is in, we instruct valuation, submit to the lender and progress the case through to offer.
We keep legals moving and update you at every part of the process. If a date shifts, you’ll hear it from us first (along with a new date).
To help your client move quickly, it helps to have the key details and documents lined up ready. Here’s what we’ll need to sense-check your specialist circumstances case and get it lender-ready.
~75% LTV over 20 years; seasonal covenants agreed up-front; 6-week completion.
~70% LTV; DSCR stacked from staggered leases; capital raised for acquisitions.
~75% LTV; retail + resi income assessed separately; title tidy-up pre-offer.
(Anonymised; figures indicative.)
Refer your case, and we’ll come back within 24 working hours with a realistic route and a clear list of what we need to issue formal terms. If, for whatever reason, the case doesn’t fit, we will tell you immediately and explain exactly why.
There are no fees payable until we have a solution, and you will always speak to an advisor, not to a triage team passing you on. We believe in speaking to an expert at the start.
Basically, anything that sits outside mainstream and standard specialist criteria. Usually, if the property type, lease, borrower profile, or ownership structure requires a more considered approach.
Yes. We can review supported living and social housing leases, including who the lease is to and how long it runs for. We have placed cases involving providers such as Care in the Community, SERCO, and NACRO, MEARS & Clearspring subject to lender appetite and the lease profile.
Yes. We regularly sense-check and place cases involving above-shop flats, properties close to commercial use, and semi-commercial layouts. Lender appetite varies, but we will confirm the best route quickly.
Often, yes. We can place short-lease bridging, and in some cases, lease extension / lease-related funding may be possible. We will sense-check the lease term and exit strategy early.
Yes. However, lender appetite varies depending on the build type, valuation approach, and exit plan. We’ll confirm the most suitable lenders upfront.
Yes, case-by-case. We’ll sense-check the block type, cladding/EWS1 position (if applicable), and lender acceptance early so you don’t waste time.
Yes. We support semi-commercial and mixed-use security where the setup makes sense and advise early on whether it’s best placed as a bridging loan or commercial mortgage.
Yes. We can package cases involving holding companies, trusts, charities, and more complex ownership structures, subject to lender requirements and documentation.
Yes. We can support UK nationals living abroad buying in the UK, either for investment or for use when returning to the UK. We’ll confirm lender appetite, residency, income and banking position early.
Yes. We can place foreign national UK investment cases with the right lender fit and documentation. Appetite varies depending on nationality, residency status, income profile and deposit position.
Yes. We can place adverse credit cases where the story stacks up. That includes missed payments, defaults or historic CCJs, depending on severity, recency and overall strength of the case.
More process and commercial questions, covering referrals, packaging, fees and payment, are answered in our broker FAQs.
Email us directly with your enquiry by clicking here or using our email [email protected].
