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 Specialist Mortgage Clients in Kent Choose Mortgage Matters
People come to us for all kinds of specialist mortgage needs. Some have complex or varied income, others have credit challenges to work through, and many are looking at properties that require a lender with more flexible criteria. Whatever your story, we take time to understand it fully before making any recommendations.
Clients choose Mortgage Matters because they value advice that feels calm, friendly and genuinely helpful. They want clear explanations without jargon, steady communication and support from advisors who understand the realities of non standard lending. With 1,000’s of 5 star reviews on TrustPilot, many clients come to us because they have heard how approachable and reassuring our service is.
Types of Specialist Mortgages We Support
Specialist mortgages simply give you access to lenders who think more flexibly. Mortgage Matters can help with a wide range of specialist needs, including:
- Self Employed Mortgages - For clients with varied income, retained profits or less traditional trading patterns.
- Contractor Mortgages - For day rate contractors, fixed term contractors and those working through limited companies.
- Credit History Challenges - For clients with past credit issues, missed payments or a limited credit record, where mainstream lenders may not offer suitable options.
- Buy to Let Mortgages - For landlords with single properties or growing portfolios, including those with complex income or ownership structures.
- Later Life Mortgages - For clients needing flexible lending options into retirement, such as retirement interest only or other specialist products.
- Non Standard Property Mortgages - For homes built with less common materials or layouts that may require a lender comfortable with unique construction types.
We talk you through each option clearly, helping you understand what is realistic and what will suit your long term plans.
Who We Help
Mortgage Matters advisors in Kent regularly support:
- Self employed clients
- Contractors and freelancers
- Clients with credit challenges
- Landlords and portfolio investors
- Clients purchasing unusual or non standard properties
- Later life borrowers exploring flexible products
- Clients with multiple income sources
- People with complex financial backgrounds
Whatever your circumstances, our goal is always to give you a clear path forward and support you through every stage of the process.
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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