Specialist mortgage and protection advice, whole of market

We start with the basics: what you can realistically borrow, what deposit you need, and which lenders treat your income the way it deserves.

We explain each stage in plain English, handle the lender paperwork, and stay with you through to completion.

Whether your fixed rate is ending, you want to raise capital for home improvements, or you need to restructure existing borrowing, we review the whole market rather than accepting your current lender's offer by default.

Self-employed with one year of accounts, a company director taking dividends, a contractor on a day rate, or someone with bonus, commission and rental income all at once — lenders treat every one of these differently.

We know which lenders use which measure of income, so your application goes to a lender that can actually work with your figures.

Thatch, timber frame, listed buildings, converted barns, flats above commercial premises, high-rise, ex-local-authority or properties with limited resale market.

Many mainstream lenders decline these on construction type alone. Specialist lenders assess the property properly.

Three or four buyers on one mortgage, joint borrower sole proprietor arrangements, or family members helping with affordability — all of which need a lender comfortable with the structure.

Missed payments, defaults, CCJs, a debt management plan, or simply a thin credit file because you have never borrowed.

There is no judgement here. We will review your credit file with you and approach lenders who look at the circumstances behind it rather than a score alone.

Smallholdings, stabling, arenas, livery yards, paddocks and acreage all change which lenders can lend, and how much.

Our senior specialist adviser Katrina Seward has built a genuine specialism in equestrian and equine mortgages and works with lenders who understand these properties.

Single lets through to large portfolios, limited company SPV structures, HMOs, multi-unit freehold blocks and holiday lets.

We advise on stress-testing, portfolio-wide reviews and refinancing strategy as your holdings grow.

Life cover written to match your mortgage term and balance, so your family is not left with the borrowing if the worst happens.

Income protection and critical illness cover to keep the bills paid if illness or injury stops you working.

Buildings and contents, private medical, business insurance and specialist or non-standard risks, advised on by our protection and general insurance specialists.