Our Specialist Mortgage Services
Whether you’re self -employed looking for a mortgage, releasing equity, or a limited company looking for a buy to let mortgage, we can help find the right solution for your situation.
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Specialist mortgage advice for complex situations
At Simmonds Mortgage Services, we help people secure mortgages that reflect real life. Whether you’re self-employed, earning foreign income, releasing equity, buying through a limited company, or need to borrow into retirement, we’ll search the whole market to find specialist mortgage lenders who understand you, not just your paperwork.
Why you might need to work with a specialist mortgage broker
Specialist mortgages are designed for people who don’t meet the strict criteria set by mainstream lenders. This could be due to your income structure, credit history, age, property type, or buying circumstances — but it shouldn’t hold you back!
We regularly help clients who are:
- Self-employed with complex income
- Wanting to help a family member get a mortgage without owning the property
- Investing through a limited company
- Over 55 and exploring retirement interest-only or equity release
- Experiencing complex financial situations and worried about their options
Sound familiar? Take a look at the specialist mortgage solutions we provide.
Types of specialist mortgages we assist with
We know that not every property purchase follows the typical route, and that’s okay. Many borrowers come to us with complex circumstances, and we’re happy to help.
Our specialist mortgage advisors are here to listen, understand, and match you with leading lenders who are happy to work with your unique situation. Whatever your mortgage needs, we’ll help you find the right fit and keep the mortgage application process easy to navigate from start to finish.
Why you might need to work with a specialist mortgage broker
Specialist mortgages are designed for people who don’t meet the strict criteria set by mainstream lenders. This could be due to your income structure, credit history, age, property type, or buying circumstances — but it shouldn’t hold you back!
If you can’t find your situation above, give us a call and we’ll see what we can do.
We regularly help clients who are:
Self-employed with complex income
Investing through a limited company
Over 55 and exploring retirement interest-only or equity release
Experiencing complex financial situations and worried about their options
Wanting to help a family member get a mortgage without owning the property
Frequently asked questions about specialist mortgages
What's the difference between a standard and specialist mortgage?
When we talk about standard mortgages, we're usually referring to those offered by high-street lenders for applicants who meet straightforward criteria. Specialist mortgages are there for people with more unique financial circumstances, such as a complex wealth structure, low credit rating, or challenging property type. Specialist lenders provide more flexible underwriting and can often consider cases that other mortgage lenders might turn away.
What counts as complex income?
If your income comes from less traditional sources, then it's likely considered complex. This often includes self-employed earnings, multiple income streams, bonuses or commission, rental income, foreign currency earnings, or irregular payments. It doesn't mean a mortgage is off the cards. As specialist brokers, we'll help you present your earnings to lenders in a way that improves your chances of approval.
Are specialist lenders more expensive?
Sometimes, but not always. As independent brokers, we can search the entire market for exclusive deals and better interest rates that other mortgage brokers might miss.
Not sure where to start? Give us a call and one of our mortgage experts will be in touch to help.
Get a mortgage tailored to you with Simmonds Mortgage Services
Simmonds Mortgage Services is an independent mortgage broker, meaning we’ll search the entire specialist mortgage market and make decisions based entirely on your situation, no matter how complex it may be.
Get in touch with us on 01184 693 037 or book a call with a specialist advisor to chat about your circumstances. We’re here to listen, answer your questions, and provide advice to help you take the next exciting step.
Andrew’s blog
Getting a mortgage can be scary but you don’t have to feel alone. Simmonds Mortgage Services are experts for a reason and we love to share our knowledge. Read Andrew’s blog to learn more about mortgages.
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Ready to discuss your mortgage?
Whether you’re taking your first step onto the property ladder, looking to remortgage, or facing a unique financial challenge, our experts are ready to help. Speak to a friendly, experienced broker today and find out what’s possible.