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Specialist Lending From The Mortgage Experts

One of Mint FS strength’s is our understanding of specialist mortgages. These are mortgages designed for individuals with circumstances that some lenders categorise as ‘complex’.

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A Fresh Approach To Finance

Specialist Lending has increased enormously in the last 18 months or so.

Both the employment and lending landscape are ever changing, there is no such thing as a vanilla mortgage application – and a one size fits all approach does not work.

One of Mint FS strength’s is our understanding of specialist mortgages. These are mortgages designed for individuals with circumstances that some lenders categorise as ‘complex’.

Our experience in this market and our close relationships with lenders makes us ideally placed to offer the very best advice on these “niche” mortgage applications.

From around 2017 we have seen a re-birth of the specialist lending market – with more and more lenders and new challenger banks offering solutions for the less mainstream applicant types.

As competition in this area has increased – the great news is that the rates have been driven down moving them much closer to that of a “vanilla” residential mortgage rate.

We make what is complex, straightforward

The following is not an exhaustive list, but an idea of the niche mortgage applications we deal with:

  • Bridging Loans
  • Development Finance
  • Secured Loans
  • Contractor Mortgages
  • Freelancer / Self Employed Mortgages
  • Expat Mortgages
  • Large Loan Mortgages
  • Portfolio Mortgages
  • Limited Company Buy To Lets
  • Let To Buys
  • New Builds
  • Shared Equity / Shared Ownership
  • Mortgages for the Armed Forces, Emergency Services, NHS & Teachers
  • Private Bank Mortgages

 

Specialist Mortgages

Getting a mortgage offer isn’t always easy, especially if you’re looking for something a little more unconventional like a self-employed mortgage, new build mortgage or a bridging loan to cover the gap between two mortgages.

We understand that looking for something more specialist takes expertise and time. That’s why we take the time to get to know your personal needs and make our recommendation based on your circumstances and our knowledge of what lenders are looking for.

We understand that when looking for something more specialist it takes extra care, time, and experience in this market for brokers to successfully get an approval through.

Mere experience in arranging mainstream mortgages is not enough. That’s why we take the time to get to know your personal needs and make our recommendation based on your circumstances and our knowledge of what lenders are looking for.

Give us a call to talk about your needs and we can explain the different qualifying criteria and how we might be able to help you secure the mortgage you’re looking for.

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Mint Specialist Services

Bridging Loans

A bridging loan or bridge loan is a short term loan given to ‘bridge the gap’ between you buying a new house and selling your previous house.

Secured Loans

Secured loans – also known as homeowner loans, home loans or second-charge mortgages – allow you to borrow money while using your home as ‘security’ (also called ‘collateral’). This means the lender can sell your property if you aren’t keeping up with repayments, as a way of getting their money back.

Expat Mortgage

An expatriate (often shortened to expat) is a person either temporarily or permanently residing in a country other than that of their citizenship

Portfolio Mortgages

There are now 2.5 million landlords in the UK and successful investors have been able to establish a Buy to Let portfolio of a number of properties. But changes by the Prudential Regulation Authority have introduced new checks for Buy to Let portfolio mortgages.

Offset Mortgages

The idea behind an offset mortgage is simple and straightforward. By linking your mortgage and your savings, you can bring down the cost of your loan. This is because rather than earning interest, your savings reduce the amount of interest you pay on your mortgage.

Self Employed Mortgages

ne of the misconceptions about the mortgage market is that it is now very difficult for self employed people to get a self employed mortgage loan in order to buy a home. It’s certainly true that one type of mortgage used by the self employed in the past (self certification mortgage) is no longer available – but for many self-employed people, their chances of being able to borrow are still just as good as anyone else’s.

Contractor Mortgages

Being a contractor can offer you flexibility and independence, but also uncertainty – especially when buying a home. But as the number of freelancers and independent contractors in the UK climbs, don’t despair – many mortgage lenders could be willing to lend to you, even if your income jumps around.

Self Build Mortgages

Building your own home is not for the faint hearted. And on top of everything else, you’ll need to take out a special self build mortgage to finance it. We can walk you through the self-build process step-by-step, from finding land to hiring professionals to help you.

Private Bank Mortgages

Many borrowers needing a larger loan are unaware of the bespoke offerings that private banks have. With a product specifically tailored for you and your income, you may be surprised what our relationships in this area can achieve.

Commercial Mortgages

Are you looking to expand your business? Have you realised that the cost of renting has become too great? If so, you might find that a commercial mortgage can offer business finance options you weren’t aware of. Here’s everything you need to know.