Trusted, experienced, expert
With over 4,500 5-star Trustpilot reviews, access to our huge panel of lenders, and great rates and relationships built over more than 25 years, people trust us to find specialist mortgages. And you can, too.
Why Choose Mortgage Matters
Every client has a different background and a different financial story. Specialist lending works best when the advice reflects these individual details. Your income, your future plans, the type of property you are purchasing and any previous financial challenges all influence the advice you need. We take time to understand your situation properly before recommending any options.
Clients choose Mortgage Matters because they want guidance that feels calm, friendly and genuinely helpful. They value honest explanations, patient conversations and the reassurance that their circumstances will be handled with care.
What Working With Mortgage Matters Looks Like
Our aim is to make specialist mortgages feel clear and manageable from start to finish.
- A dedicated advisor - You work with one advisor throughout, giving you continuity and support tailored to your circumstances.
- Straightforward explanations - We make complex criteria easy to understand and explain what lenders will look for in simple, practical terms.
- A wide search across specialist lenders - We compare lenders who understand unique income patterns, specific financial backgrounds or unusual property types.
- Support with documents and applications - We help you gather the right paperwork, prepare your application and present your case clearly to lenders.
- Regular updates and steady communication - You are always kept informed, so you never feel unsure about what is happening or what comes next.
Our approach is calm, reliable and built around giving you confidence throughout the journey.
Get in Touch About Specialist Mortgages
Specialist mortgages can offer the flexibility you need when your circumstances do not align with traditional lending. With the right advice, the process becomes far more straightforward. At Mortgage Matters, we provide steady communication, practical guidance and clear explanations throughout.
Whether you are exploring specialist lending for the first time or reviewing your options after a previous experience, we are here to help you move forward feeling supported, informed and ready for the next step.
FAQs for Specialist Mortgages
Yes, specialist lenders are often willing to work with applicants who have adverse credit histories, such as missed payments, defaults, or even previous bankruptcy. Whilst the interest rates may be higher, these mortgages provide a valuable opportunity for those who might otherwise be unable to secure financing. Lenders will assess your current financial situation and ability to repay the loan, rather than focusing solely on past credit issues.
Generally, yes. Specialist mortgage applications require manual underwriting and more detailed financial information, which means the process can take longer than standard mortgage applications. However, working with experienced brokers like Mortgage Matters can help you prepare your documents correctly and communicate efficiently with lenders to minimise delays.
Yes, specialist mortgages generally require a larger deposit than mainstream loans. Often, deposits start at around 15% to 25% of the property’s value, although this can vary depending on the lender and your specific circumstances. As a larger deposit reduces the risk to the lender, it can improve both your chances of approval, and the mortgage terms offered.
Income proof depends on your employment status. Employed borrowers usually provide payslips and P60s, whilst self-employed applicants may need two to three years of tax returns and accountant-prepared accounts. Some lenders accept alternative proof, such as bank statements or contracts, especially if your income is irregular. Mortgage Matters will advise you on the best documentation to submit based on your situation.
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