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Specialist Mortgages

Many mortgages are off the shelf products and are not suitable or cost-effective for unusual projects, self-builds, or for homeowners who find it difficult to quantify their annual income.

Almas Uddin
Almas Uddin

Founder and Mortgage Advisor

Almas Uddin2023-05-09
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Specialist Mortgages

Many mortgages are off the shelf products and are not suitable or cost-effective for unusual projects, self-builds, or homeowners who find it difficult to quantify their annual income.

Finding a property you love means needing the right mortgage to secure your new home, and Revolution Finance Brokers are here to make that aspiration a reality!

Why Do I Need Specialist Mortgage Brokers?

Contrary to some opinions, using a broker is almost always more cost-effective than buying directly from a mortgage provider.

This reality is due to several reasons:

  • Brokers have access to the entire market and can secure new products, special deals or negotiate advantageous terms on your behalf.
  • A broker is not linked to any one company, provider or brand, so has the freedom to compare and contrast mortgages to offer you only the best possible offers.
  • Your broker works with you to understand your financing needs and then finds the most suitable lenders who can meet those requirements.

We act as your advocates, negotiating on your behalf, driving down rates, agreeing on complex terms and taking the hard work out of securing a specialist mortgage.

Many applicants cannot secure a mainstream mortgage as their circumstances make it non-standard. That doesn't always mean it's a highly unusual situation, but it could be because you have multiple income streams or want to buy a development property, for example.

AboutAbout your mortgage
Single or joint mortgage?
What’s your yearly income?

Error: Yearly income income must be between £1 and £10,000,000.

Do you receive a regular bonus?

Error: Regular bonus must be between £1 and £10,000,000.

about your mortgage

Based on your yearly income,
you may be able to borrow


Most lenders will let you borrow 4.5 times your annual salary so, as long as you have a standard 10% deposit, you should be able to borrow this much.


Depending on your personal circumstances, some lenders may let you borrow 5 times your salary.


Lenders usually cap the amount they lend at 5.5 times your salary, so it’s unlikely you’ll be able to borrow more than this.

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What Is a Mortgage Specialist?

There are various reasons why you might find that a mainstream provider cannot meet your needs or cannot offer you mortgage lending.

Clients that we work with include:

  • Homebuyers with complex incomes – you might be paid on a bonus rate, be self-employed, or have a variable income making it hard for traditional lenders to calculate when lending they can offer.
  • You might have been turned down for a mortgage before.
  • The project you are working on might be an unusual property, be in a unique area, or be built from contemporary materials that mainstream lenders are unfamiliar with.

Do I Need a Mortgage Specialist?

If any of these circumstances apply to you, our specialist mortgage team is on standby to find you the lending you need!

Revolution Brokers provide whole-of-market, independent advice.

That means that we can craft a mortgage deal specifically to meet your requirements, whether you need short-term financing and an exit strategy or a one-time, long-term mortgage to buy your dream property.

Our years of experience as a respected broker enable us to leverage relationships with thousands of mortgage lenders, offering access to the breath of the market.

How Do Specialist Mortgage Brokers UK Deal With Complex Incomes?

Mortgage providers use simple calculations to determine how much they can lend you, based on your annual salary.

However, your income might not be the same every month. You might have multiple income streams and more than one job or might be self-employed. This situation also applies to company owners whose income includes dividends.

Here is a brief list of the types of income that you may need to be taken into consideration when applying for a mortgage:

  • PAYE salaries – from full-time work, part-time work, or a combination
  • Additional income from overtime, commissions or bonuses
  • Pension and investment income
  • Dividends received by company shareholders
  • Interest on your savings and investments
  • Buy-to-let income from rental properties
  • Government benefits and maintenance payments
  • Royalty income and freelance earnings

Lenders also treat different income streams in varying ways.

For example, suppose you're a salaried salesperson with a significant commission element of your pay. In that case, a high street bank might refuse to include those commissions in your annual salary calculation - offering a very low mortgage value.

Another might include a percentage of your bonuses and another 100% of all your income, so it's essential to work with an accomplished mortgage broker who can direct your application to the most suitable lenders.

Why Do I Need Specialist Mortgage Lenders With a Complex Income?

Traditional mortgage providers use basic calculation tools to calculate how much they can lend to you. This is almost always based on a multiple of your annual income.

If your income is liable to change, then they find it hard to calculate a stable annual income, and there is often little flexibility with the calculations to take into consideration applicants who do not fit the traditional mold.

Here at mortgage brokers, we know that one size does not fit all! In the modern world, many clients have multiple income streams, and therefore need a broker with an innovative approach to find them the right lending, and understand their income.

Are There Specialist Mortgages for Bad Credit Applicants?

Credit issues are one of the primary reasons people find it hard to secure a competitive mortgage. No doubt, a specialist mortgage is often the best solution.

Remember, specialist purely means a tailored mortgage or one that isn't available off the shelf, so you don't need to be buying a property or a specific value, or earning a particular income, to require a specialist mortgage.

Specialist IVA Mortgage Lenders

You'll find a vast range of bad credit lenders, from IVA specialists to those who offer competitive rates to help homebuyers with minor credit issues get onto the property ladder.

In many cases, there is a minimum period since a severe credit issue has passed before you can apply - but give us a call. We'll evaluate your circumstances to make a recommendation about the best mortgage solution.

Are Specialist Mortgages for a Complex Income Expensive?

Not necessarily, no! Having a complex income simply means it is harder for a mainstream mortgage lender to assess your average income and make you a competitive mortgage offer.

We work with our clients to draft their applications, navigating the eligibility and income validation requirements to demonstrate the affordability of the lending you require. 

Can I Apply Directly to Specialist Mortgage Lenders?

In some cases, a specialist lender will be a well-known mortgage lender with flexible products and can create tailored mortgages around your circumstances.

However, that is extremely rare.

Most high street banks lend against a rigid set of criteria and don't have any capacity to move or flex on those policies if you fall outside their standard lending terms.

A professional broker is the best solution since we can assess the lending market, identify appropriate lenders, and negotiate terms - with most of the best specialist lenders dealing only in broker-exclusives and not with the general public.

Is it Important to Work With an Independent Mortgage Specialist?

Revolution Brokers always recommends looking for a broker who is independent and whole-of-market.

Price comparison sites and banks can only display products in their catalogues or where the lender has paid to advertise. So they're far from a comprehensive overview of the top mortgage products on the market.

Independent brokerage advice can make a profound difference in your ability to find a non-standard mortgage and secure advantageous rates and terms.

Dedicated Advice from the Specialist Mortgage Brokers

Our job is to find the right mortgages from the right lenders at the right piece. As such, we negotiate on behalf of our clients, scour the market for the very best deals, and work with you from start to end to ensure that you can move forward with your property purchase.

Give our friendly team a call, and we will be delighted to have a chat with you about your mortgage needs, and what challenges you may have experienced in securing the lending you require.

Almas Uddin
Almas Uddin

Founder and Mortgage Advisor

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FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature.

We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

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