Specialist finance for deals that don't fit a standard box: bridging, development, commercial, complex residential. We find the route through.
Most lenders work from a template. If you fit it, great. If you don't, and most interesting opportunities don't, you get a no.
We don't work from templates. We work from your situation. Whether you're a self-employed director who's been declined three times, a developer who needs to move before a deal expires, or a landlord building a portfolio that needs a smarter structure, we know how to find the right route to finance and present the case properly.
This is what we do. It's all we do. And we've been doing it for over 25 years.
Each panel links through to a deeper page. Not sure which fits your situation? The first conversation is the place to start.
When speed matters and a standard mortgage won't move fast enough, bridging finance fills the gap. We arrange short-term secured lending for purchases, refurbishments, chain breaks and time-sensitive opportunities, with access to lenders who understand how to move quickly.
Learn about bridging finance →Ground-up development, conversion, permitted development. We work with developers at every scale to structure the finance that gets projects moving and keeps them funded through to completion.
Learn about development finance →Whether you're purchasing commercial premises, refinancing an investment or funding a mixed-use project, we have access to the specialist lenders and structures that commercial property requires.
Learn about commercial finance →From a first investment property to a growing portfolio requiring professional landlord finance, we understand buy-to-let inside and out, including the more complex structures that portfolio landlords need as their investment grows.
Learn about buy-to-let & portfolio lending →Auction purchases move on tight timelines that standard mortgage processes can't meet. We arrange the short-term and longer-term finance that lets you understand your finance options before you bid.
Talk to us before your next auction →Unusual income structures, adverse credit history, non-standard properties, expat and foreign national borrowers. The cases that don't fit the high street. This is where our experience and lender relationships make the real difference.
Learn about specialist lending →For clients who want advice that's genuinely tailored to their situation, not the first available product. We work with first-time buyers, home movers and remortgage clients who want a specialist in their corner.
Learn about residential mortgages →We work with self-employed directors and contractors whose income structure makes standard lenders nervous. Property investors building portfolios that need smarter finance. Developers who need funding that understands what they're building. Business owners looking to acquire or refinance commercial property. And anyone who's found an opportunity that needs to move faster than a standard mortgage will allow.
We work closely with solicitors, estate agents, accountants and IFAs who need a specialist finance partner they can trust. Complex income, non-standard properties, time-pressured transactions. We handle them properly, and we keep you informed every step of the way.
Plain English deep-dives on the lending products and complex-income cases we deal with most often. Read first, then bring us the harder questions.
Important. Lender criteria varies and is subject to change. Past placements do not guarantee future outcomes. Each individual service page carries its own product-specific risk information. The Mortgage Consultancy is directly authorised by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage.