Odd mortgage cases could mean more business
Clients look to you for advice – even more so when their cases need some specialist attention. As 'odd' becomes the new normal, you could expand and futureproof your business when taking on these cases, so don’t avoid them.

Market
The specialist mortgage market is growing.
Gross annual lending by specialist lenders
has increased by 19% year-on-year
between 2009 and 2016.
Gross annual lending by specialist lenders has increased by 19% year-on-year between 2009 and 2016.
(Intermediary Mortgage Lenders association, 2017)
Three in four
intermediaries are confident about specialist lending opportunities.
Don’t be the one to shy away from specialist.
(Mortgage Strategy, 2019) View how we could support with odd casesValue
Specialist cases could be more valuable.
Specialist cases require around 30% more time than standard ones but they could earn you up to 68% more.
(FTAdviser, 2018) View how our specialist criteria could help you

Audience
The need for high LTVs
In the last decade alone, house prices have risen
by 45%1. By contrast, wages have increased at
half the rate, making it harder to save a decent
sized deposit. It’s therefore vital that brokers
know which lenders to lean on to match the
needs of their clients.
In the last decade alone, house prices have risen by 45%1. By contrast, wages have increased at half the rate, making it harder to save a decent sized deposit. It’s therefore vital that brokers know which lenders to lean on to match the needs of their clients.
1ONS House Price Index [January 2019]; ONS Average Weekly
Earnings [January 2019]

Audience
Adverse credit
Around 89% of brokers have had clients with
impaired credit1. In the last year alone, there
were more than 1m CCJs in England and Wales
– twice the level seen five years ago2. Brokers need
lenders that have the underwriting processes
and appetite to review on a case-by-case basis.
Around 89% of brokers have had clients with
impaired credit1. In the last year alone, there were more than 1m CCJs in England and Wales – twice the level seen five years ago2. Brokers need lenders that have the underwriting processes and appetite to review on a case-by-case basis.
1Financial Reporter, 2019
2Analysis of Registry Trust Limited data (12 months to September 2018)

Audience
Self-employment and contractors
There are now 4.8m self-employed workers in
the UK, accounting for over 15% of the total
workforce1. Professional contracting is also one
of the fastest growing forms of self-employment,
and has increased 43% since 20082. Brokers play
a vital role in helping to build a case to a lender
and we have the criteria that could help.
There are now 4.8m self-employed workers in the UK, accounting for over 15% of the total workforce1. Professional contracting is also one of the fastest growing forms of self-employment, and has increased 43% since 20082. Brokers play a vital role in helping to build a case to a lender
and we have the criteria that could help.
1ONS labour market statistics, February 2019
2IPSE: Exploring the UK Freelance Workforce, 2017

Audience
Limited company
Around 55% of landlords use limited companies
for purchases1. This increases to 64% for portfolio
landlords with over four properties2. Even though
these types of cases are traditionally complex,
we’re experienced in helping you deal with them.
Around 55% of landlords use limited companies for purchases1. This increases to 64% for portfolio landlords with over four properties2. Even though these types of cases are traditionally complex, we’re experienced in helping you deal with them.
(Source: Zoopla, June ‘19)
Case studies
Now you know the potential of specialist mortgages, see how we could help you handle odd cases.
Adverse credit history
LTV
Loan
Debt Management Plan
Near prime
Yorkshire
Limited company
Property portfolio
High interest cover ratio (ICR)
Buy to Let Hub
Manual underwriting
Working in partnership with broker
Joint application
Remortgage
Adverse credit history
Previous defaults
LTV
Loan
Established landlord
Own company
Loan
LTV
11 bedrooms
Kent
Case studies
Now you know the market potential, see how we could help you solve more complex cases
Adverse credit history
LTV
Loan
Debt Management Plan
Near prime
Yorkshire
Limited company
Property portfolio
High interest cover ratio (ICR)
Buy to Let Hub
Manual underwriting
Working in partnership with broker
Joint application
Remortgage
Adverse credit history
Previous defaults
LTV
Loan
Established landlord
Own company
Loan
LTV
11 bedrooms
Kent
Our broader lending criteria
Discover how we could help you get started with specialist.
High LTVs
We offer up to 90% LTV on both residential prime and near prime ranges. And up to 85% LTV for buy to let.
Adverse credit
We offer no value limits on CCJs, arrears and defaults for our near prime range.
Self-employed
We’re able to consider self-employed applicants who’ve been trading for a minimum of 12 months.
Contractors
We have no minimum income requirements for contractors.
Limited company
We can support clients with complex income structures including limited companies.
First time buyers
We offer 0% client deposits for shared ownership cases.
Our broader lending criteria
Discover how we could help you get started with specialist.
High LTVs
We offer up to 90% LTV on both residential prime and near prime ranges. And up to 85% LTV for buy to let.
Adverse credit
We offer no value limits on CCJs, arrears and defaults for our near prime range.
Self-employed
We’re able to consider self-employed applicants who’ve been trading for a minimum of 12 months.
Contractors
We have no minimum income requirements for contractors.
Limited company
We can support clients with complex income structures including limited companies.
First time buyers
We offer 0% client deposits for shared ownership cases.

Mortgage Strategy Awards
Voted in part by the public we were awarded Best Buy-to-Let Lender.