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 Surrey Choose Mortgage Matters
At Mortgage Matters, we help clients across Surrey access clear, tailored guidance so the process becomes far more manageable from the very first conversation. Many people come to us unsure of which lenders will consider their circumstances or what documents they will need to prepare. Others simply want to understand their options before making decisions. Whatever your starting point, our goal is to offer calm, clear advice that helps you move forward confidently.
Every client has a different story, and specialist lending is rarely a one size fits all process. Your income, your home, your future plans and your past experiences all play a part in finding the right mortgage solution. We take the time to understand your circumstances properly before recommending anything.
What Working With Mortgage Matters Looks Like
Our aim is to make specialist mortgages feel clear and well supported from the moment you speak to us.
- A dedicated advisor - You work with one advisor throughout, giving you consistent communication and support tailored to your situation.
- Straightforward explanations - We break down your options in simple terms so you always know what lenders will look for and what steps to take next.
- A wide search across specialist lenders - We compare lenders who understand complex income, unique properties or specific financial circumstances.
- 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 will always know what stage your mortgage is at and what the next steps will be.
Our service is built on clarity, reliability and a genuine commitment to helping you find a suitable, sustainable mortgage.
Enquire About a Specialist Mortgage Today
Specialist mortgages can provide valuable flexibility, especially when your circumstances do not align with traditional lending criteria. With the right advice, the process becomes far more straightforward. At Mortgage Matters, we offer steady communication, practical guidance and honest support throughout.
Whether you are exploring specialist options for the first time or reviewing a previous experience, we are here to help you move forward feeling supported 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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