How to Refinance with Specialist Lending: A Step-by-Step Guide

Refinancing your property loan can help you access better rates, release equity, or consolidate debt. But if your income is complex or your property doesn’t meet mainstream criteria, refinancing can be challenging — that’s where specialist lending comes in.

Step 1: Understand Your GoalsAre you refinancing to raise capital, reduce monthly payments, or switch lenders? Knowing your goals will help shape the right solution.

Step 2: Gather Your DocumentsSpecialist lenders usually require:

• Proof of income (self-assessment tax returns, accounts, payslips)

• Details of your current mortgage and property

• Identification and address verification

• Explanation of your credit history, if relevant

Step 3: Find the Right Specialist LenderNot all lenders are the same. Some specialise in buy-to-let, others in commercial or development finance. A broker experienced in specialist lending can match you with lenders best suited to your situation.

Step 4: Prepare Your ApplicationWe’ll help you build a strong case, including supporting documents and clear explanations, to improve your chances of approval.

Step 5: Approval and CompletionOnce approved, we’ll guide you through the legal process and get your new finance in place quickly.