Whatever your situation, there's a mortgage for it.
Contractor, self-employed, buy-to-let or adverse credit? We specialise in mortgages that don't fit the high-street mould.
Four specialist services, one expert team
Some mortgages don't fit the high-street mould — and that's exactly where we come in. Whether you're a contractor on a day rate, a landlord building a portfolio, or navigating adverse credit or a separation, we know the lenders who say yes.
Contractor mortgages: borrowing based on your day rate, not just tax returns.
Buy-to-let mortgages: first investments or growing portfolios across Glasgow.
Specialist lending: adverse credit, complex income, or non-standard properties.
Divorce & separation: compassionate, practical advice for moving forward.
Contractor Mortgages
If you work as a contractor or freelancer, getting a mortgage can feel more complicated than it should be. Many high-street lenders look at your accounts and see irregular income — but specialist lenders understand that a contractor on a strong day rate is a highly creditworthy borrower.
We work with lenders who assess contractor mortgages based on your contract day rate rather than just your tax returns. This often means you can borrow significantly more than a standard assessment would suggest.
Borrowing based on annualised day rate (typically day rate x 5 x 46–48 weeks)
Access to lenders who understand umbrella company and limited company contractors
Advice for contractors between contracts or in their first year
Buy-to-Let Mortgages
Whether you're purchasing your first investment property or growing an existing portfolio, we can help you find the right buy-to-let mortgage for your goals.
Buy-to-let mortgages are assessed differently from residential mortgages — rental income, property type, and portfolio size all affect what's available to you. We know which lenders offer the most competitive deals for landlords in Glasgow and across Scotland.
First-time landlords — we'll explain how buy-to-let lending works and what to expect
Portfolio landlords — we work with specialist lenders who understand larger portfolios
Limited company buy-to-let — we advise on the tax and lending implications
Note: Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.
Specialist & Adverse Credit Mortgages
A difficult credit history doesn't automatically mean you can't get a mortgage. Whether you've had missed payments, a CCJ, a default, or even a previous bankruptcy, there are lenders who specialise in exactly these situations.
We'll review your credit file with you, explain what each lender is likely to see, and give you an honest assessment of what's possible and on what terms. We never give false hope — but we don't write off cases that others might.
County Court Judgements (CCJs) and defaults
Missed mortgage or loan payments
Previous IVAs or bankruptcy
Complex or non-standard income
Non-standard property types
Divorce & Separation Mortgages
Going through a separation is already emotionally and financially demanding. Dealing with a jointly owned property on top of that — deciding who stays, who leaves, and what happens to the mortgage — adds another layer of complexity.
We handle these cases with compassion and discretion. Whether you want to buy out your partner, transfer the mortgage into one name, or simply understand your options, we'll give you clear, practical advice without judgement.
Transfer of equity and sole-name mortgage applications
Advice when one partner wants to remain in the family home
Liaising with solicitors handling the separation agreement
New mortgage for the departing partner's onward purchase
FAQs
I'm self-employed — can I still get a mortgage?
1
Yes. Most lenders require at least two years of accounts or tax returns, though some will consider one year. We know which lenders are most flexible for the self-employed and will assess your position honestly.
I have a CCJ — will anyone lend to me?
2
Possibly, depending on the amount, how old it is, and whether it's been satisfied. We work with specialist lenders who consider adverse credit and will give you a realistic view of your options.
What's the minimum deposit for a buy-to-let?
3
Most buy-to-let lenders require a minimum 25% deposit, though some products are available at 20%. We'll find the most competitive deal available for your deposit size and property type.
Can I get a mortgage in my sole name after a separation?
4
Yes, subject to affordability. Lenders will assess your income on its own to determine what you can borrow. We'll help you understand what's realistic and work through the application with you.
Our other services
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First time buyer
Taking your first step onto the property ladder? We'll guide you from deposit to keys with clear, friendly advice.
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Remortgaging
Your current deal ending? We'll find you a better rate and potentially save you hundreds each month.
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Moving home
Upsizing, downsizing, or relocating? We handle the mortgage so you can focus on the move.
Ready to take your next step?
Whether you're just starting to think about buying or you're ready to move, we'd love to help. Get in touch for a free, no-obligation initial chat with one of our advisors.