Top 5 Reasons to Use Specialist Finance Over High Street Mortgages

Many borrowers assume the high street banks are their only option for finance, but that’s far from true. Specialist finance offers tailored lending solutions for people and properties that don’t fit mainstream criteria.

Here are the top five reasons you might want to consider specialist finance:

1. Flexible UnderwritingSpecialist lenders look beyond the usual credit scores and income proofs. They consider complex income streams, self-employment, and business accounts — helping those with irregular earnings get finance.

2. Support for Non-Standard PropertiesProperties like flats above shops, HMOs, commercial mixed-use buildings, or homes requiring renovation can be difficult for high street lenders to finance. Specialist lenders have products designed specifically for these cases.

3. Portfolio Landlords and Limited CompaniesIf you own multiple properties or buy through a limited company (SPV), mainstream lenders may limit your borrowing. Specialist lenders understand these structures and offer competitive solutions.

4. Credit ChallengesMissed payments, defaults, or previous bankruptcies don’t automatically exclude you. Specialist lenders take a more holistic view of your finances.

5. Speed and FlexibilityWhen time is tight, specialist lenders can often make decisions faster and offer short-term loans like bridging finance that banks won’t touch.

Why Work with a Specialist Broker?Navigating the specialist finance market can be complex. We work with a broad panel of lenders to find the best fit for your needs, saving you time and effort.