Mortgages

Specialist mortgage advice.

Getting a mortgage offer isn’t always easy, especially if you’re looking for something a little more unconventional, perhaps you’re self-employed, or have an adverse credit file. Maybe we can help.

Help from start to finish.

Once you choose us, you're our client for life. We will help you every single step of the way.

Around the clock support.

Offering flexible options to meet your requirements, after work or evening appointments and more.

Access to a panel of lenders.

We have access to a huge range of different lenders, meaning, we're able to source deals you can't find on the high street.

What is a specialist mortgage?

Sometimes it’s not just a straightforward case of securing an average mortgage to buy a home. You may want to buy to let, or perhaps you’re self-employed, or have an adverse credit file; at Your Mortgage Solutions, we are experts in all mortgages – no matter how unique – and we work with a wide variety of lenders who we can approach on your behalf.

Our advisers are experts in all the products available and the latest deals on our comprehensive panel. They will go through all the options with you to find the best mortgage fit for you. Book an appointment for a straight-talking, argon-busting FREE initial consultation with our expert advisers, and we will help you through each stage of the process for a smooth, stress-free experience.

This includes working out how much you can borrow, negotiating the best price for the house of your dreams, finding the right mortgage for you and securing your investment for the future. We will see if you can take advantage of any Government schemes or initiatives, help you with paperwork and make sure you have budgeted for all the costs involved in buying a house.

Our ultimate goal is to get you into the home of your dreams and we will work non-stop to help you achieve that dream.

The types of specialist mortgages.

Self employed mortgage advice

Just because you’re self-employed doesn’t mean you won’t be able to get a mortgage at a decent rate – even if you don’t have many years of trading history and accounts to fall back on.

We’re experts in self-employed mortgages and have contacts with a wide variety of lenders – and not just those on the high street. We also have great relationships with reputable alternative lenders who have different lending criteria to the banks.

So, whatever your circumstances, contact us for a free, no obligation, initial consultation and we will identify what your options are and help you get that home of your dreams.

Adverse lending

If you’ve been turned down for a mortgage on the high street then you’ve come to the right place, because that doesn’t mean it’s the end of the road for you. There are a wide variety of specialist lenders out there, all with different appetites to risk.

Whether you can’t raise the level of deposit you’ve been asked to provide, or you have CCJs or a poor credit rating, we can still help you get a mortgage.

We work with many lenders and we have an in-depth understanding of their lending criteria. So, rather than throwing lots of applications out there – which itself can adversely affect your credit score – why not book a consultation today to find out which lenders you could still apply to. We will search our comprehensive lender panel to find the best deal for your circumstances.

Why use a mortgage broker?

A mortgage is a life-long commitment so it’s important to get the decision right from the outset. It’s not a straight-forward process and this can make it seem a very daunting task. So how can a broker help?

  • A broker gives you professional, expert help and advice along every step of the journey. Mortgage brokers are regulated by the Financial Conduct Authority and must be professionally qualified to give you advice.
  • Brokers can search a variety of lenders to find the best product for your needs.
  • They have an in-depth knowledge of lenders’ criteria to help work out which deal is best for you
  • Brokers smooth the process from start to finish, helping with form filling, negotiations and liaising with other parties on your behalf if needed

Frequently asked questions.

This would depend upon the type of bad credit and how recent. We would advise all of our clients to send us their credit report so that we can check the credit history.
If you have been offered the right to buy your home by the council and have received a letter from them confirming the amount and percentage then yes, you may. This would be subject to your financial circumstances at the time.
Yes, again this would be subject to your financial circumstances and property value. You could do this with your current mortgage lender, and this would be additional borrowing, or you could re mortgage with another lender.

Yes, but dependant on your size of deposit, your level of and type of income, your credit history status, and your current financial commitments. This could also be known as a Buy To Let if you were intending to rent the property out.

Ask a question of your own.

We will aim to answer your query within 24 hours.

Do you want to schedule an appointment?

If you want to speak with a member of the team, you can enquire about an appointment. Hit the button below to get started.

Try our helpful calculators.

We have a series of calculators, for you to use, for free. Helping you plan, budget and work out how likely you are to need protection.

Hand holding a phone that shoes the mortgage calculator on the Your Mortgage Solutions website.