Mortgage Market News

Specialist Mortgage Market Update Flexibility for Borrowers

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Tuesday June 13, 2023

In the face of macroeconomic challenges such as high inflation and rising interest rates, high-street banks have responded by tightening their lending criteria, increasing mortgage rates, and pulling 100s of products, sometimes with little or no notice to borrowers and brokers. While this diligence is necessary in today’s climate, it has created a gap in the market for borrowers with unique financial circumstances who require greater flexibility. This is where specialist mortgage lenders step in to bridge this gap.

Traditionally, high-street lenders rely on stringent, tick-box approaches to evaluate loan applications. However, this methodology often leaves borrowers with complex or unconventional financial histories, circumstances, or requirements out in the cold. Individuals like overseas buyers, high net-worth individuals (HNWIs), and buy-to-let landlords frequently find themselves facing difficulties when seeking loans through traditional avenues.

Non-UK residents and HNWIs, particularly prevalent in the prime central London sector, encounter significant obstacles when applying for loans via traditional channels. Their financial situation cannot be fully captured by rigid criteria alone. Irregular incomes, diverse global assets, and the desire to leverage luxury cars or fine art as collateral are just a few examples of the complexities these borrowers face.

Fortunately, the specialist lending sector is uniquely positioned to cater to these individuals. Specialist lending encompasses a broad range of financial solutions, including property development finance, bridging loans, buy-to-let mortgages, and bespoke loans tailored for HNWIs. What sets these lenders apart is their commitment to a personalised approach.

Rather than relying on rigid lending criteria, specialist lenders take the time to assess each borrower’s case individually. By examining all aspects of an individual’s financial situation, they can provide tailored solutions that match their specific needs. This approach enables borrowers to access the most suitable mortgage products, at the best mortgage rates to align with their circumstances and goals.

At, we pride ourselves on being part of the specialist lending market. We understand the growing need for flexibility and personalised solutions in today’s mortgage landscape. Our team of experts works closely with clients, carefully evaluating their financial situations and leveraging our extensive network of over 300 lenders to secure the most favourable terms.

If you require greater flexibility and tailored mortgage solutions, we are here to help. Contact us today on 020 7519 4900 to discuss your unique requirements and explore the possibilities offered by specialist lending. Together, we can confidently navigate the mortgage market and empower you to achieve your financial objectives.

Stay informed, stay flexible, and let our specialist advisers guide you on your mortgage journey.

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