As all advisers will know, ‘one size’ rarely fits all in terms of mortgages. There are numerous potential hurdles – from the way your client earns a living, their credit scores, to the type of property they want to purchase and the reasons for financing. These clients need access to more than the standard products available through mainstream lenders. AdviserFinance have the market knowledge, skills and lender relationships to be able to source a specialist lender so we can offer your client the right product to fit their specific goals and objectives.

What we believe defines AdviserFinance is our case ownership and determination to assist our clients in securing specialist finance. We often come across cases where less experienced advisers have failed to provide solutions. We welcome the challenges of these difficult and complex cases.

Why choose it?

Our subprime solutions are especially helpful in cases of:

• Self-employed clients with one year’s accounts
• Adverse credit history
• Foreign nationals and ex-pats
• Contractor mortgages
• Later life lending
• Non-standard construction properties
• Listed buildings
• HMO’s
• Guarantor Mortgages
• Right to buy

And much more….

Criteria

Each lender has its own lending criteria but generally you will need to:

• Be over the age of 18
• Provide proof of identity and address
• Provide proof of income in the form of Accounts, Bank Statements and/or payslips
• Have some kind of deposit (Max LTV is usually 95%)
• Subject to credit score
• Maximum 40 year term (depending on lender)