Your situation isn't too complicated. It just needs the right adviser.
I specialise in cases that mainstream lenders and generalist brokers struggle with. If you've been told "no" elsewhere, or you're worried your situation is too complex, please get in touch. There's often more possible than you think.
Self-Employed Mortgages
Being self-employed doesn't mean you can't get a mortgage — it just means you need the right broker who understands how your income actually works.
I can help if you are…
Common challenges I help overcome
My bank said I don't earn enough because they only look at my salary, not my dividends.
Many lenders will use salary plus dividends, or salary plus net profit. I'll identify which approach gives you the highest assessed income for your specific structure.
I've only been self-employed for 1 year and most lenders want 2–3 years.
Some specialist lenders will consider just 1 year of accounts if the business is established and income is consistent. I'll find the right lender for your timeline.
My income fluctuates year to year and I'm worried lenders will use the lowest figure.
Different lenders use different approaches — some average the last 2 years, others use the most recent year. I'll find the lender whose calculation works best for your income pattern.
Common questions
Discuss your situation
Tell me about your circumstances and I'll let you know what's possible — no obligation, no pressure.
Mortgages with Credit Issues
A less-than-perfect credit history doesn't automatically close the door to homeownership. The right specialist lender can make a significant difference.
I can help if you are…
Common challenges I help overcome
I have a CCJ and every lender I've approached has turned me down.
Specialist adverse credit lenders take a more holistic view. The key factors are the value, age, and whether the CCJ is satisfied. I know which lenders are most flexible.
I had a debt management plan that's now satisfied but it's still showing on my file.
Satisfied DMPs are viewed much more favourably than active ones. I'll find lenders who take a pragmatic view of your history and focus on your current financial position.
My credit score is low but I've never actually missed a payment — I just don't have much credit history.
A thin credit file is a different problem from bad credit. Some lenders are more flexible here, and there are steps you can take to build your profile quickly. I'll advise on the best approach.
Common questions
Separation & Divorce Mortgages
Going through a separation is stressful enough without the added complexity of sorting out a joint mortgage. I'll help you navigate this with clarity and sensitivity.
I can help if you are…
Common challenges I help overcome
I want to stay in the family home but I'm not sure I can afford the mortgage on my own income.
I'll assess your income carefully and identify lenders who will give you the best chance of qualifying on a sole income. I'll also explore whether extending the term could make payments more manageable.
My ex-partner won't cooperate with the mortgage transfer.
This is more common than you'd think. I'll help you understand your legal options and work with your solicitor to find the most appropriate path forward.
I'm worried about my credit score because of joint financial products with my ex.
Joint financial products create a financial association on your credit file. Once all joint accounts are closed and the mortgage is resolved, you can apply to remove the financial association. I'll advise on the right timing.
Common questions
Unusual Income Mortgages
Not everyone has a simple salary. I work with lenders who understand the full picture and will consider your income in its entirety.
I can help if you are…
Common challenges I help overcome
My income comes from multiple sources and lenders only want to use my basic salary.
I know which lenders will consider your full income picture — including secondary employment, rental income, investment income, and benefits. I'll find the lender who gives you the highest assessed income.
I'm on a zero-hours contract and worried lenders won't take my income seriously.
Some lenders will consider zero-hours income if you can demonstrate a consistent track record over 12 months. I'll identify the most flexible lenders for your situation.
I receive income in a foreign currency and UK lenders keep turning me down.
Specialist lenders do cater for foreign currency income, though the options are more limited. I'll find the most suitable lender and help you understand any currency risk considerations.
Common questions
Mortgages for Older Borrowers
Age shouldn't be a barrier to getting the mortgage you need. Specialist products and lenders exist specifically for borrowers in later life.
I can help if you are…
Common challenges I help overcome
My lender says I'm too old to extend my mortgage term or remortgage.
Mainstream lenders often have maximum age limits, but specialist later life lenders and retirement interest-only products can extend well beyond this. I'll find the right product for your age and circumstances.
I'm retired and my income is from a pension — I'm worried lenders won't consider it.
Many lenders will accept pension income, and some specialist lenders focus specifically on retired borrowers. I'll find lenders who take a sensible view of your retirement income.
I want to release equity from my home but I'm not sure if equity release is right for me.
Equity release (lifetime mortgages) can be a good option for some people, but it's not right for everyone. I'll explain all the options clearly — including retirement interest-only mortgages, which may be more suitable — so you can make an informed decision.