A specialist mortgage is a type of property loan designed for individuals or companies who may not qualify for a traditional mortgage or who are looking to invest in a property for a particular use, such as Holiday Lets or HMO’s. This can include self-employed individuals, those with complex income streams, or those with unique property types. Our company has the expertise to support in a range of specialist mortgages, including all types of buy-to-let including multi-unit blocks, lease creations, HMO’s, New Builds, Self Builds and so much more. We work closely with you to understand more about your situation before providing tailored options that will help you achieve their homeownership and property investment goals.
Buying a new build property can come with its challenges, if the property is being purchased off plan you will likely need a mortgage offer that is valid for longer than usually issued.
You’ve always dreamed of building your own home? We can help with that! If you want to use the Help to Build scheme we can talk you through this process too.
Letting property on a short-term basis using sited such as Airbnb is becoming increasingly more popular, whether this is a room in your own home or an investment property we understand the importance of making sure you have the right mortgage in place
Bridging finance is a form of short-term borrowing that provides immediate access to funds, typically secured against property assets.
There are so many brokers in the market, what makes
Your Mortgage Consultants different?
There are so many Brokers in the market, what makes Your Mortgage Consultants different?
Myself and wife Victoria have worked with Nichola since inception of our property business, five years ago. Whilst the suggested practice is to use multiple finance brokers, we have solely used Nichola and will do so going forward. Whilst we are no doubt one of many of her clients, she always remembers our property strategy and go forward plan upon calling or emailing her. Nichola's knowledge of the mortgage market is clearly very broad. Our latest project was a mixed-use commercial unit whereby she clearly explained to us the remortgage process when splitting the freehold title. Her patience and clarity were appreciated, as this was our biggest project to date, we really felt supported and confident throughout. Highly recommended.
Have used Nicki for 3/4 years now and she is always really helpful. From placing finance to being willing to answer general questions about the mortgage market I know that I can reach out at any point. I’ve used her for both investment property finance and also the sourcing of a mortgage for my own home. I recommend regularly.
I have used Nicki for 4 years now and she has provided me 5 Buy to Let mortgages, 1 bridging loan & 2 personal mortgages. Some of these have been very complicated purchases. I have previously been let down by other mortgage brokers promising the world and failing to deliver. Nicki's knowledge is immense, she delivers what she promises and never stops trying to find you a better mortgage even after she has already got you DIP.
The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
You may have to pay an early repayment charge to your existing lender if you remortgage.
The Financial Conduct Authority does not regulate some aspects of buy to let mortgages.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Your Mortgage Consultants Limited is registered in England and Wales. No. 14109222. Registered Office: 41-43 Market Place, Chippenham, Wiltshire, SN15 3HR.
Your Mortgage Consultants Limited is an Appointed Representative of Cornerstone Finance Group Ltd, which is authorised and regulated by the Financial Conduct Authority.
Cornerstone Finance Group Ltd is registered in England & Wales. No. 08458702. Registered Office: Unit E Copse Walk, Pontprennau, Cardiff, Wales, CF23 8RB.
Your Mortgage Consultants Limited (No. 979284) and Cornerstone Finance Group Ltd (No. 767202) are entered on the Financial Services Register at https://register.fca.org.uk/
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