What is a mortgage application?

A mortgage application is the formal request you make to a lender for a home loan. It includes your income, deposit, credit history, employment and the property details. Lenders assess affordability, credit risk and the property itself before issuing an offer.

Can I get a mortgage in unusual circumstances?

Yes. Mainstream lenders cover the typical 'employed, clean credit, 10% deposit' borrower well — but specialist lenders look at single parents, visa holders, the self-employed, contractors, those with credit blips, and joint applicants with family. As broker with access to a comprehensive panel of 90+ lenderss we know which lender to approach.

Why is my application different from a standard one?

Anything that falls outside a mainstream lender's automated criteria — visa status, complex income, recent credit events, joint applications with non-occupying borrowers, unusual property types — typically needs a manual underwriter and a specialist lender.

Will an unusual application affect my rate?

Sometimes. Specialist lenders often charge a small premium versus mainstream rates, but the difference is narrowing. The right adviser will benchmark your specialist quote against mainstream alternatives so you don't overpay.

Is your advice really free initial advice?

Initial advice is free. If you proceed with an application, any broker fee that applies will be explained and agreed upfront before submission.

Specialist Help

Mortgage Applications

Whatever your situation — visa, single income, recent credit blips, joint borrowers — we know which lender will say yes. Comprehensive lender panel advice from 90+ lenders.

Real applications, real lenders, real outcomes

No two mortgage applications are the same. Lenders use very different criteria — what one bank won't touch, another will approve happily. The trick is matching your circumstances to the lender most likely to say yes, the first time.

Below are the most common "non-standard" application types we help with. Pick the closest match, or speak to an adviser if your situation isn't listed — chances are we've seen it before.

Single Parent Mortgages

Lenders who assess your full income — including benefits and maintenance.

Visa Holder Mortgages

Tier 2, Skilled Worker, Spouse, BNO and other visas — find the right lender.

Mortgages with a Criminal Conviction

Spent and unspent — lenders who assess current circumstances, not just history.

Mortgage Offer Withdrawn

Quick diagnosis of what went wrong, plus alternative lenders ready to step in.

Mortgage Redundancy Cover

Protect your monthly payments if you lose your job.

Mortgages with Personal Loans

How existing loans affect affordability — and how to optimise them.

Joint Borrower Sole Proprietor (JBSP)

Boost borrowing with a family member's income, without putting them on the deeds.

Buying with Friends & Family

Joint mortgages — legal structures, lender criteria and shared ownership tips.

Mortgages with Existing Debt

How CCJs, credit cards and loans impact what you can borrow.

How Many Mortgages Can I Have?

Multiple residential, BTL and portfolio lending — what's possible.

How we help with non-standard applications

Lender matching

We know which lenders accept which circumstances. Rather than scattergun applications that hurt your credit file, we go straight to the best fit.

Application packaging

Underwriters need the right story. We package your application — covering letters, supporting docs, income proof — so the case is approved on first review.

Comprehensive lender panel access

Through Primis, we work with 90+ lenders including specialists who never appear on the high street.

Free initial advice

Initial advice is free with no obligation. If you proceed, a broker fee may apply (typically £199–£299, agreed in writing before application). Lenders may also pay us on completion.