Specialist Mortgages

As all advisers will know, ‘one size’ rarely fits all in terms of mortgages. Challenges abound – from the way your client earns a living and their credit scores, to the type of property they wants to purchase, the reasons for financing and the amount.

These clients need access to more than the standard products available through mainstream lenders. AdviserLoan’s expert advisers have the market knowledge, skills and lender relationships to be able to source a specialist lender so we can offer your client the right product to fit their specific needs and goals.

Our subprime solutions are especially helpful in cases of:

  • Self-employed clients with one year’s accounts/SA302
  • Adverse credit history
  • Foreign nationals and ex-pats
  • Contractor mortgages
  • Pension or benefits only Income
  • Non-standard construction properties
  • Listed buildings
  • HMO’s
  • Guarantor Mortgages
  • Right to buy

And much more….

Each lender has its own lending criteria but generally you will need to:

  • Be over the age of 18
  • Provide proof of identity and address
  • Provide proof of income in the form of Accounts, Bank Statements and/or payslips
  • Have some kind of deposit (Max LTV is usually 95%)
  • Subject to credit score
  • Maximum 40 year term (depending on lender)

Our experts will be able to advise you on all of the above and will present your client’s case in the best possible light to the most appropriate lender in order to give them the best chance of receiving an offer in the fastest time possible.

Adviserloan are experts in the field of mortgages both standard and sub prime. Having the ability to offer mortgages from the whole of the market alongside the wealth of experience held by our in-house team makes Adviserloan the obvious choice when referring your clients for advice in this area.

We will help your client throughout the process and will keep you up to date with the
progress of your client’s case throughout. We will only ever discuss the product in question with your client leaving cross sales and after sales for you to progress.

We aim to be simple, fast and efficient in all of our dealings with your clients requirements alongside offering exceptional customer service throughout.