Specialist Lending
The mortgage market has more options than most people realise. We'll find the best one for you.
Get a QuoteWhat Is Specialist Lending?
If your financial circumstances don't fit the standard mould, specialist lending can often present the right solution.
Perhaps your income is complex or irregular, you're self-employed, or you have a less-than-perfect credit history? Maybe the property you're buying, whether it's a non-standard construction, a second home, or something otherwise unusual, falls outside what many lenders will consider?
Being declined by one lender rarely means a no from everyone else. It often just means you need a broker with access to the right lenders and the expertise to present your case properly. The specialist lending market is significant. With the right guidance, there are genuinely good options available. We can help you find them.
Book a ConsultationAbout Our Specialist Lending Advice
Being told your mortgage application is complicated, or worse, declined, is a frustrating and stressful experience. If you've been turned down, hit a stumbling block, or you already know your circumstances are complex, you're in the right place.
Our chief broker, Jason, and the FG & Cook team have spent over 50 years in the mortgage market, including extensive experience with cases that don't fit neatly into standard lending criteria. We know which lenders consider complex income, which take a more flexible view of credit history, and which will look seriously at properties others might shy away from. Those relationships, built over decades, mean your case gets in front of the right people.
If you're self-employed, a contractor or have income from multiple sources, we know how to present your financial picture accurately and persuasively. And if your credit history includes missed payments, defaults or CCJs, we understand which lenders will assess your history fairly, and we'll be straight with you about where you stand and what's realistic.
Where the property itself is the issue, such as a second home, a flat above commercial premises, a non-standard construction or something that's given another broker pause, we have in-house RICS surveying expertise that puts us in a different position. We don't just understand the financial side of your application. We understand the property, too. So, when a valuation flags concerns or a lender pushes back on structural grounds, we have the knowledge to respond directly and constructively.
Every specialist case is different. Yours will be handled by an experienced broker who'll take the time to understand your full picture before recommending anything.
Why Choose FG & Cook?
If your circumstances don't fit the standard mould, the broker you choose matters more than you might think. Here's what makes us different:
- Lender relationships – Our decades of experience mean we have working knowledge of lenders across the specialist market, including those who consider adverse credit, complex income and non-standard properties.
- Surveying expertise – We have in-house RICS-qualified surveyors who give us a level of property insight many brokers can't offer. If the bricks and mortar are complicating your application, we're equipped to address it.
- Honest advice – We'll always tell you where you stand. If there are challenges with your application, we'd rather have that conversation early and find the best route forward than overpromise and underdeliver.
- Personal attention – You'll deal with the same experienced broker throughout the process, handling the details and keeping you informed so nothing gets missed or falls through the cracks.
Ready to Find Out What's Possible?
If you've been turned down elsewhere or have complicated circumstances, don't write off your options just yet. A conversation with one of our brokers costs nothing and commits you to nothing. But it could change everything. Get in touch today and learn how we can help you.
Book a Consultation