Specialist Lending

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Specialist Lending

Straightforward mortgage applications are becoming increasingly rare, which is why we are seeing rapid growth within the specialist residential sector. We know that many people do not fit mainstream lending criteria for a variety of reasons and our objective is to meet the needs of our clients through a range of innovative products, via our comprehensive lending panel. It can be time consuming to search a market you’re not familiar with to ensure you’re getting the right deal. We understand our market and the lenders’ criteria intimately, so we can take the time burden off your hands. Additionally, we have access to lenders that you may not be able to deal directly with.

A specialist mortgage is when the deal makes sense but rigid automated decision systems used by many mainstream lenders are not able to take a view, you may fall foul of a ‘computer says no’ situation. We have access to lenders who are able to judge each case on its own enabling us to provide access to tailored solutions to fit individual circumstances.

High-value properties Shared ownership First-time buyers
Contractor mortgages Help to buy Gifted deposits
Listed buildings Overseas mortgages Lending into retirement
Foreign nationals Ex-pats High loan to value mortgages
Flats above commercial premises Non-standard construction properties Interest-only mortgages.
Fees free 90% LTV, purchase and re-mortgage Self-employed with one year’s accounts/SA302. Income made up of pension or benefits only.
Sale at undervalue/ gifted equity. Up to 6 x income. Adverse credit history.
​Income made up of pension or benefits only. Right to buy, including flats above 10 floors, even with adverse credit.

Capital raising re-mortgages to settle current debt management plans – up to 90% LTV.



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Some buy to let mortgages are not regulated by the Financial Conduct Authority

Silverstone Mortgages Limited is an appointed representative of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority. You can find us on their website www.fca.org.uk. Our registration number is in England & Wales no.11069995. Registered Office at Silverstone Innovation Centre, Silverstone Park, Silverstone, NN12 8GX

The information on this website is for use of residents of the United Kingdom only. No representations are made as to whether the information is applicable or available in any other country which may have access to it.