Mortgages
Specialist & Complex Mortgages
Not every borrower or property fits the standard criteria — and that's where specialist lenders come in. We work with a wide panel of lenders that routinely fund self-employed, contractor, adverse-credit, high-net-worth and non-standard property cases.
Why Choose Us
The right lender for the situation
A mortgage isn't just about the rate — it's about being placed with a lender whose criteria match your reality. The wrong choice means declines and credit-file footprints; the right choice means approval at competitive terms.
- Self-employed, director and contractor income
- Adverse credit including defaults, CCJs and discharged IVAs
- Large loans and high-net-worth lending
- Non-standard construction, listed and flat-above-commercial
- Discreet, considered advice with no obligation
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Commercial Mortgages are not part of The Openwork Partnership offering and are offered in our own right. The Openwork Partnership accept no responsibility for this aspect of our business. Commercial Mortgages are not regulated by the Financial Conduct Authority.
Your Journey
A straightforward process
Case Assessment
We listen to your full picture before suggesting any lender or product.
Lender Strategy
We map your case to the lenders whose criteria genuinely fit, not just the cheapest.
Considered Application
We package the application to give the case the best possible chance of a clean approval.
Completion
We stay involved through valuation, offer and legal completion.
FAQs
Common questions
I'm self-employed — can I still get a competitive mortgage?+
Yes. Many high-street and specialist lenders are happy to lend to self-employed applicants, typically based on 1–3 years of accounts or SA302s. We match you with lenders whose underwriting fits your trading pattern rather than going to a generalist who may decline.
Will adverse credit stop me getting a mortgage?+
Not necessarily. Specialist lenders consider applicants with previous defaults, CCJs, missed payments or even past bankruptcy — usually at higher rates while you rebuild your record. We'll be upfront about what's achievable today and how to improve your options over time.
What counts as a 'non-standard' property?+
Construction types like concrete, timber-frame, thatch or steel-frame, listed buildings, flats above commercial premises, high-rise blocks and properties with cladding can all narrow the lender pool. Specialist lenders fund most of these — sometimes at standard rates.
How does a large-loan or high-net-worth mortgage differ?+
Loans above standard lender ceilings (typically £1m+) are often arranged through private banks or specialist desks. Underwriting is more bespoke — assets, bonus income and structured deposits all feature — and we work with the lenders set up to deal with these cases.
I'm a contractor on day-rate income — does that change things?+
Several lenders calculate affordability directly from your day rate (typically day rate × 5 × 46–48 weeks) rather than asking for years of accounts. The right lender choice can dramatically increase what you can borrow as a contractor.
Complex case? Let's talk.
A short, confidential conversation will tell us whether your case is fundable today and what the realistic terms look like.
Your home may be repossessed if you do not keep up repayments on your mortgage