Thinking of remortgaging?

We're a specialist lender. We exist to help people who would likely be turned down by mainstream lenders. Perhaps it's your employment status, your credit history, or the property itself that doesn't fit neatly into the big names' tickboxes.

Whatever it is, we'll look at your application and use our common sense – not computers – to make the final decision about whether we can lend to you.

It typically takes several weeks to arrange a mortgage.

As a responsible lender, we're duty bound to ensure you can afford the loan you're applying for. So we may take longer to underwrite your case, or request more documentation.

The rate you're offered may be influenced by several factors, including:

• How much you need to borrow (both in total, and as a percentage of your property's value).
• Whether you're buying through a Shared Ownership or Right to Buy scheme, or not.
• The property you're taking out the mortgage for.
• Your credit history (but not your credit score).

Our personal mortgages rates tend to be higher than many mainstream lenders, because of the extra risk associated with the mortgages we provide. So if we think the products available on the high street are better suited to your circumstances, we'll suggest you shop around before completing an application with us.

We look at the property's market value when calculating these figures. So if you're buying a Shared Ownership property, or are receiving a discount through the Right to Buy scheme, you may be able to borrow up to 100% of your purchase price.

You'll need to provide proof of ID, proof of your address history, and proof of income. Exactly what documents we'll accept as proof will depend on your individual circumstances, so we can tell you over the phone.