Finding the best specialist mortgage lenders

From poor credit history cases to getting you on the property ladder

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Over 2,000 reviews. Rated "Excellent"

Specialist mortgage advice

A specialist mortgage is quite a broad term that can contain a lot of different categories. Unconventional property, income deriving through a combination of regular overtime, bonuses or commissions, or even something as simple as a government scheme like a help-to-buy or right-to-buy mortgage.

Getting approved for these kinds of mortgages can be tricky, especially if you don’t know much about the industry. The good news? We're ready and waiting and able to help!

As specialist mortgage brokers, we have access to the whole of the UK’s regulated mortgage market, amongst the well-known high street banks and building societies are masses of smaller specialist lenders, who unlike the big brand high street banks , will assess your application on an individual basis, in order to determine your mortgage eligibility.

Our expert mortgage advisors take the time required to completely understand your personal needs and buying situation. This gives us the information required to find the best mortgage deal available in your unique, individual circumstances.

The reason we do this is because standard high street banks and lenders typically stick to straightforward mortgages with standard lending criteria, offering the best available rates, because they know that they can build up a large volume of clientele.

Anything that is a little different or unconventional will fall into one of two categories: either a straight decline or an extremely high rate. The fact of the matter is, they don’t need to deal with the weird and wonderful cases. And if they do pick up such a case, the higher rate makes it worth their time and worth the risk. You can see why many mortgage lenders prefer to stick to the typical mortgage deals provided by a perfect credit score.

Our fact find and research will allow us to source a pool of lenders who have criteria that exactly matches your circumstance, once we have got to this stage, we are able to source the best product from these lenders that match your specifications, such as the lowest term, best rate or lowest monthly payment.

To ensure your specialist mortgage application completes smoothly, we also handle the entire process for you; managing all of the necessary paperwork and liaising with all the relevant parties, securing your mortgage offer, progressing the exchange of contracts and finally updating you with news of your mortgage completion.

We're not just bad credit mortgage specialists; we're here to help with almost every mortgage deal you can think of. We've got specialist lenders and a mortgage broker for every eventuality, offering assistance in all the following areas and more:

  • Bad credit, low credit score or poor credit history cases
  • First time buyers getting on the property ladder
  • Borrowers having missed payments
  • Debt management plan mortgages
  • Self employed
  • Linked savings account mortgages
  • Mortgages for people with a County Court Judgement
  • Complex income cases
  • Bankruptcy
  • Buy to let
  • Equity release
  • Family springboard mortgages

If you require a non-standard mortgage, you're worried about your credit score or credit report, or you think your lending criteria doesn't hit the usual requirements – whatever your circumstances, as specialist mortgage lenders, we can help by offering completely free upfront advice and searching over 100 lenders for the best available deals.

Give us a call today. As specialist lenders we're here to track down your prime mortgage deals. We know the mortgage market inside out, making borrowing money for your dream home easier than ever. Give us a call to explore all of your available options.

How it works

3 simple steps to securing a mortgage with CLS Money

  • Enquire

    Complete our quick and easy form to see the available mortgage products that suit you

  • Apply

    We will handle all the necessary paperwork and manage your entire mortgage application

  • Complete

    Start enjoying the benefits of your new mortgage

Quickly see how likely you are to be ACCEPTED FOR A MORTGAGE before you apply

Can I get a mortgage?

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6 reasons to choose CLS Money

  • Mortgages that suit you

    Mortgages that suit you

    No matter your circumstances, we are here to get the right mortgage for you.

  • Appointments at your convenience

    Appointments at your convenience

    We can meet you seven days a week from 8am to 8pm at a place that suits you, whether it be at your home, place of work or our offices.

  • Free of charge, no obligation advice

    Free of charge, no obligation advice

    Our advice is completely free and there is no obligation to proceed with us if you are not entirely satisfied with the mortgages we recommend

  • At your side

    At your side

    We handle the entire mortgage application process through to completion, liaising with your lender, solicitor and estate agent to deliver a smooth, stress-free experience

  • With you all the way

    With you all the way

    As a responsible broker, we want your mortgage to always be the best fit for you. So when it's time to review it, we will be here to help.

  • Protecting what matters most

    Protecting what matters most

    We provide tailored life and home insurance solutions, so you can be assured that your loved ones and possessions are protected.

Download the CLS Money App for FREE now

Track the progress of your mortgage application via our App and much more

  • Instantly message the team and keep up to date with your application
  • Upload and share documents for quicker decisions
  • Verify yourself faster with advance biometrics for proving your identity
  • Sign documents immediately on your smartphone
  • App Store
  • Google Play

Why over 2,000 customers consistently rate us "Excellent"

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News and views

Looking to move home or remortgage? Watch the latest vlogs from our mortgage advisors, packed full of handy tips, to help you get on the property ladder and save on your mortgage

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Gemma May

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