Specialist Mortgage Criteria for Complex Cases
Specialist Mortgage Criteria
In-depth criteria insights for the most common specialist mortgage situations. Real-world case studies and actionable advice from 29 years' industry expertise.
In-Depth Analysis
Detailed analysis and actionable insights for specialist criteria
We Accept Complex Cases
CCJs, bad credit, self-employed, declined elsewhere - see how we compare
Case Studies
Real client examples with actual numbers and outcomes
Specialist Focus
Focused on complex cases others struggle with
Browse by Category
Adverse Credit
CCJs, Defaults, IVA
Self-Employed
Directors, Contractors
Buy to Let
Landlord Criteria
First Time Buyer
Deposits, Schemes
Property Types
Non-Standard, Flats
Income Types
Benefits, Overtime
Age Related
Over 50s, Retirement
Visa & Expat
Work Visas, ILR
Remortgage
Debt Consolidation
Right to Buy
Council Discount
Popular Scenarios
We Say Yes When High-Street Banks Say No
See how we compare on complex mortgage cases that traditional lenders decline
| Criteria | NatWest | HSBC | Santander | Barclays | Lloyds | YHF |
|---|---|---|---|---|---|---|
| CCJs in last 36 months | ||||||
| Defaults ignored after 36 months | ||||||
| Discharged bankrupt <6 years | ||||||
| Payday loans in last 12 months | ||||||
| Current debt management plan | ||||||
| Self-employed 1 year accounts | ||||||
| Zero-hours contracts | ||||||
| 100% benefits income | ||||||
| Concessionary purchase | ||||||
| Ex-local flat above 4 storeys | ||||||
| And many more specialist criteria... |
Find Your Specialist Criteria
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Not Sure Which Criteria Apply to You?
Every mortgage application is different. With 29 years of experience, we know exactly which lenders to approach for your specific circumstances.