OTHER MORTGAGE CIRCUMSTANCES · UK-WIDE
Mortgage advice when your circumstances aren’t straightforward.
Self-employed, a company director or contractor? Variable income, previous credit issues or visa and residency circumstances? We’ll take the time to understand the full picture and explore suitable mortgage options across the market.
COMMON CIRCUMSTANCES
Mortgage circumstances that may need a closer look.
Every mortgage application is assessed on its own merits. Different lenders can take different approaches to income, employment, credit history and residency, so what may be available depends on your individual circumstances.
Self-employed
Self-employed income can be assessed differently from one lender to another. We’ll help you understand what information may be needed and explore suitable options based on your circumstances.
Company directors
Salary, dividends and wider business finances may be considered differently by different lenders. We’ll help you understand how your income may be assessed.
Contractors
Contract length, income history and how you’re paid can all affect how lenders assess an application. We’ll help you explore lenders whose criteria may suit your circumstances.
Complex or variable income
Overtime, bonuses, commission, freelance income or multiple income sources can be treated differently by different lenders. We’ll help you set out the full picture clearly.
Previous credit issues or declines
A previous decline, missed payment or other credit issue does not automatically mean there are no mortgage options. We’ll review your circumstances before exploring what may be available.
Visa or residency circumstances
Your residency status, time in the UK and wider circumstances can affect which lenders may consider your application. We’ll help you understand what may be available.
WHY THIS TAKES CARE
Lenders don’t all view the same circumstances the same way
Two lenders can look at the same income, employment history, credit file or residency position and assess it differently. That’s why we take the time to understand your circumstances rather than assuming one lender’s decision applies everywhere.
Different lenders, different criteria
How income, employment, credit history and residency are assessed can vary from one lender to another and may change over time.
We look at the whole picture
We don’t assume what will or won’t work. We start with your circumstances, then research suitable options based on the information available.
HOW WE HELP
We look at the whole picture.
Before discussing mortgage options, we take the time to understand your income, employment, credit history, residency and what you’re trying to achieve.
We understand your circumstances
We take the time to understand how your income, employment, credit history and plans fit together.
We search across the market
We research suitable mortgage options from across the market rather than being limited to one lender’s criteria.
We explain things plainly
We explain what may be available, what could affect your application and what happens next in plain English.
A SIMPLE PROCESS
How we work with you
1. Tell us your situation
We start with an open conversation about your circumstances and what you’re hoping to achieve.
2. We understand the full picture
We review the information that may affect your mortgage options, including income, employment, credit and residency where relevant.
3. We research suitable options
We look across the market and explain the options that may suit your circumstances.
4. We support your application
If you decide to proceed, we help prepare the application and keep you informed as it progresses.
Frequently asked questions
Let’s talk through your circumstances
Tell us a little about your situation and what you’re hoping to achieve, and we’ll help you understand what the next steps may look like.
