Specialist Mortgages – Expert Advice Tailored to Your Situation ✅
When it comes to mortgages, one size doesn’t always fit all. If your situation doesn’t quite fit the “standard” boxes that high street banks prefer, you might find yourself being declined – even though there are lenders out there who could help. That’s where a specialist mortgage broker like Celtic Finance steps in.
We work with clients across the UK who need more flexible, tailored mortgage solutions. Whether you’re self-employed, have complex income, poor credit history, or need finance for a unique property, our job is to connect you with the right lender.
What is a Specialist Mortgage?
A specialist mortgage is designed for people who fall outside traditional lending criteria. While big-name banks often say “computer says no”, specialist lenders take the time to look at the bigger picture.
You might need a specialist mortgage if:
You’re self-employed with only 1 year’s accounts or irregular income.
You have adverse credit history (CCJs, defaults, or missed payments).
You’re buying a non-standard property such as a barn conversion or flat above commercial premises.
You’re a contractor, freelancer, or gig worker without fixed PAYE income.
You’re looking for a buy-to-let mortgage with complex criteria (e.g. portfolio landlords, HMO properties).
Why Use Celtic Finance?
At Celtic Finance, we specialise in finding solutions where others can’t. Here’s how we help:
Whole-of-market access – we work with a wide range of high street and specialist lenders.
Personalised advice – no call centres, no generic answers – just clear guidance that fits your circumstances.
Direct relationships – many specialist lenders don’t deal with the public directly. As brokers, we have access to deals you won’t find online.
Fast decisions – we know which lenders are most likely to say yes, saving you time and hassle.
Common Questions About Specialist Mortgages
Will I need a bigger deposit?
Sometimes, yes. Specialist lenders may ask for a higher deposit (e.g. 15–25%), but every case is different.
Are the interest rates higher?
Rates can be higher, but not always. The key is matching you with the lender most suited to your situation.
Can I get a specialist mortgage with bad credit?
Yes – many of our clients have missed payments or defaults, and we’ve successfully arranged mortgages for them.
Speak to a Specialist Mortgage Broker Today
If you’ve been turned down elsewhere or just want to know your options, we’re here to help. At Celtic Finance, we’ll take the time to understand your circumstances and give you clear, realistic advice.
Call us today or request a free consultation online to find out how we can help secure your mortgage.
