We provide a wide range of mortgage services, for people at every stage of the property ladder.

Whether you’re an accountant, actuary, barrister, dentist, engineer, medical doctor, optometrist, pharmacist, solicitor, teacher, or vet, we’re here to support you. We understand the unique needs of professionals like you, with tailored mortgage solutions that fit your career and financial goals.

If you’re a sole trader, partnership, or company director, the mortgage process can be challenging, but we understand the journey. As fellow business owners, we get the risks you take to create opportunities for yourself and others. With deep industry knowledge and careful planning, we’re here to help turn your dreams into reality.

Navigating the mortgage process with a non-traditional income can be tough, but we’ve got the experience to help you succeed. We regularly assist clients in similar situations, and we know which lenders are flexible and which may be more challenging. You have options, and we’ve secured mortgages even for clients without a full year’s track record in this work. Explore our case studies to learn more.

We’re strong advocates for offset mortgages and recommend them to clients when they’re a good fit. Although fewer lenders offer these today, many of our clients find them incredibly beneficial. By linking your savings account with your mortgage, you can offset interest charges, helping you pay off your mortgage faster. Your savings remain accessible, and each contribution directly reduces the interest owed.

If you earn income in a currency other than sterling, a foreign currency mortgage could be right for you. With more lenders offering these since Brexit, options are expanding. Some lenders apply adjustments to your income to account for currency fluctuations, while others do not. We also help self-employed clients secure foreign currency mortgages. Explore our case studies to see how we’ve assisted clients in similar situations.

Many of our clients who don’t hold Irish or British nationality successfully secure mortgages through us. Eligibility can vary based on your residency status and current location, but we have extensive experience navigating these requirements. No matter the complexity, we’re here to guide you through every step.

If you have concerns about your credit, know that you’re not alone—and there’s no need to feel embarrassed. Bad credit mortgages are more common than you might think, and we’re here to support you without judgment. For our initial meeting, we recommend that clients download their full credit report (see the link below). Send it over if you’re worried, and we’ll guide you on the best next steps. In many cases, we can help secure a mortgage faster than expected—or if not right now, we’ll work with you toward a solution soon.

Securing a mortgage for a new build often involves varying deposit requirements, depending on the lender. In some cases, a mortgage can be obtained with as little as a 5% deposit, based on other eligibility factors. Timing is also key: we’ll work with you to ensure your mortgage application aligns with the build schedule, reducing the risk of your mortgage offer expiring before your new home is ready.

Although co-ownership and fair share arrangements aren’t our primary recommendation, we understand that they can sometimes be the right solution. We assist clients with these mortgages when they’re the most suitable option, particularly when they align with a clear exit plan. Our goal is to ensure that any Co-Ownership arrangement is feasible for you in the long term.

We can assist clients in borrowing additional funds against their homes for a range of needs, such as home improvements, debt consolidation, or business purposes.

Many clients support their children in purchasing a home, often through a gifted deposit. You can release equity from your own property (even if it’s currently mortgaged) to help fund your child’s deposit and give them a head start on the property ladder.

Although less common, interest-only mortgages are still available for both residential and buy-to-let properties. For residential properties, certain criteria must be met to qualify. With an interest-only mortgage, your payments cover only the interest, not the loan principal. Therefore, unless you have a repayment plan in place, you’ll need to sell the property at the end of the term to settle the mortgage balance.

High net worth mortgages typically involve large loans exceeding £500,000. The criteria for these loans are highly individualized, and we’re experienced in handling complex scenarios. During our initial meeting, we’ll walk you through the process of borrowing above this threshold and ensure you’re fully informed.

Managing a portfolio of properties with multiple mortgages can be overwhelming, especially for business owners or employees with a busy schedule. Renewals can sometimes be missed, and opportunities overlooked. When we manage your portfolio, you can rest assured that we’ll keep track of your mortgage renewals. As an onboarded client, you’re welcome to meet with us to discuss your portfolio, future plans, and any upcoming property transactions. We’ll present you with tailored financing options to help you make the best decisions.

A Joint Borrower / Sole Proprietor mortgage can be a useful option in certain situations. This arrangement allows two people to be included in the mortgage application, but only one person will be listed on the mortgage deed. Both individuals are jointly liable for the debt, but the person not named on the deed will not have any ownership of the property.

This type of mortgage is often used when one person needs help with affordability and can add another person’s income to the application. Since the second person is not named on the deed, there are no tax or stamp duty implications for them. However, there are other considerations, and it’s important for the non-named borrower to understand their responsibilities. Independent legal advice is required for all parties involved to ensure the arrangement is fully understood and properly executed.