Can I get a mortgage as a contractor or self-employed in Scotland?

Yes. Many lenders now assess contractors using day-rate calculations rather than tax returns alone, which often increases borrowing potential. We know which lenders understand contractor income and how to structure your application for the best outcome.

What deposit do I need for a buy-to-let mortgage?

Most buy-to-let mortgages require a minimum 20 to 25% deposit. Lenders also stress-test the projected rental income — typically requiring it to cover 125 to 145% of the monthly mortgage payment. Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.

Can I get a mortgage with adverse credit or a default?

Often yes. We have access to specialist lenders who consider applicants with missed payments, defaults, CCJs, IVAs, or previous bankruptcy — the right lender depends on the type and age of the credit issue. If you've been turned down elsewhere, please speak to us before giving up.

Can I remove my ex-partner from the mortgage after separating?

Yes, through a transfer of equity or a remortgage in your sole name. We'll assess whether the mortgage is affordable on your income alone and work alongside your solicitor to coordinate the legal and lending sides of the process.

Whatever your situation, there's a mortgage for it.

Contractor, buy-to-let, specialist lending and divorce-related mortgage advice — honestly, without judgement.

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.

A man and woman are arguing inside a living room, pulling at a framed picture on the wall that says 'EAT'. A young boy stands in front of a couch, looking surprised, with a toddler's foot visible on the armrest, and a cluttered table with toys and a cup nearby.