Residential Mortgages
Buying your own home should not mean squeezing your finances into a high-street checkbox. Whether your income is complex, the property is unusual or the timeline is tight, we find the lender that fits.
Beyond the high-street criteria
Most residential lenders follow rigid affordability models that penalise anyone whose income does not arrive as a single PAYE salary. We know which lenders flex on complex income, new-build incentives, non-standard construction and properties above commercial premises.
- First-time buyers with complex income or gifted deposits
- Home movers needing simultaneous sale and purchase coordination
- New-build purchases with developer incentives and tight exchange deadlines
- Non-standard construction: timber frame, steel frame, flat roof, listed buildings
- Interest-only residential on higher incomes with clear repayment strategy
The right lender, not just the cheapest rate
A mortgage comparison site ranks by rate. A broker ranks by likelihood of approval, speed to offer, flexibility on income and property type, and total cost including fees. When your case has any complexity at all, the cheapest headline rate is rarely the cheapest mortgage.
We explain the trade-offs plainly, model two or three realistic routes with live pricing, and let you choose with full visibility. No pressure, no clock.
Answered before you ask
Most mainstream lenders issue offers in two to four weeks from full application. If speed is critical — a chain break, an auction, a new-build exchange deadline — we route to lenders with known fast-track underwriting and flag the urgency from day one.
Residential mortgages are available from 5% deposit, though the rate improves significantly at 10%, 15% and 25%. We model the cost difference so you can decide whether stretching the deposit is worth the saving — sometimes it is, sometimes it genuinely is not.
Yes — new builds have specific lender requirements around valuations, developer warranties, exchange deadlines and incentive handling. We work with the developer's timeline backwards to make sure funding is confirmed before exchange, not chased after it.
Your home deserves more than an algorithm
Tell us what you are looking for and we will show you exactly what the market offers — with no obligation and no clock running.
Request a private consultation