Finding the right mortgage can be challenging, especially if your circumstances don’t fit the traditional lending criteria. Whether you’re self-employed, an expat, have adverse credit, or are purchasing a new build, securing a mortgage doesn’t have to be complicated.
At Key Solutions Mortgages, we specialise in tailored mortgage solutions for complex situations. Our expert team will guide you through the process, helping you find the best options to suit your needs. Ready to explore your mortgage possibilities? Get in touch with our advisers for personalised support.
Our mortgage and stamp duty calculators are designed to make things easier for you, giving you a guide on how much you can borrow, or how much stamp duty you have to pay.
All you need to do is fill in your information and your results will be displayed immediately!
When your mortgage needs are more complex, expert advice can make all the difference, and that’s where we come in. We’ve helped thousands of clients secure the right mortgage, whether they’re self-employed, contractors, expats, or have unique financial circumstances.
Our specialist mortgage advisers take the time to understand your situation and find a mortgage that works for you. No matter your challenges, we’re here to make the process simple and stress-free. Ready to get started? Book an appointment today!
Whether you have adverse credit, are self-employed, working as a contractor, buying a new build, or securing a property at a discounted price, we specialise in solutions for unique circumstances.
At Key Solutions Mortgages, we work with lenders who understand complex situations, helping you secure the right mortgage with expert guidance at every step. Whatever your situation, we’re here to help make it happen. Get in touch today!
Had credit challenges in the past? You can still secure a mortgage. We work with specialist lenders who consider your full financial picture, helping you find the right deal even if you have a poor credit history.
Purchasing a property below market value? Whether it's a gifted deposit, developer discount, or investment opportunity, we’ll help you find lenders who accept discounted purchase prices.
Working on short-term contracts or day rates? Traditional lenders may not understand your income, but we do. We’ll connect you with mortgage providers who cater to contractors and freelancers.
Being your own boss shouldn’t make getting a mortgage harder. Whether you're a sole trader, limited company director, or freelancer, we’ll help you secure a mortgage that fits your income structure.
Living abroad but looking to buy in the UK? Whether you're purchasing a home or an investment property, we work with lenders who specialise in mortgages for expats.
Buying a brand-new home? New build mortgages come with specific requirements, but we’ll guide you through the process and help you secure the right deal for your dream home.
When applying for a specialist mortgage, understanding your financial position is key. Whether you’re self-employed, have adverse credit, or are purchasing at a discount, we’ll help you review your income, expenses, credit profile, and deposit to determine your borrowing potential.
A Mortgage in Principle gives you a clear idea of how much you can borrow, helping you approach lenders, sellers, or developers with confidence. This is especially useful for those with non-traditional income or unique purchase circumstances.
Not all lenders cater to specialist mortgage needs, but we know the ones that do. Whether you're a contractor, expat, or buying a new build, we’ll match you with the best lenders and deals suited to your situation.
Specialist mortgages often require additional documentation, such as contracts for self-employed applicants or proof of residency for expats. We’ll guide you through the process, ensuring your application is as strong as possible.
Once submitted, your application will be reviewed by the lender. We’ll keep you informed at every step, ensuring you fully understand the terms and helping you move forward with confidence toward securing your property.
If we say you qualify for a mortgage, then we will stand by that decision and provide you with a 100% mortgage guarantee to you that you can get the funding you require. If we don’t, we will refund any associated cost you have incurred.
Our advice to you is backed by our unique unconditional service guarantee which means if you are not happy with the service that we provide, just tell us why and we will immediately refund any fees that you have paid us.
As a trusted whole-of-market broker, we have access to nearly every mortgage product on the market as well as access to exclusive rates you won't get by going direct to a bank.
We will complete all research, administration and chasing on your behalf so you don’t have to worry about a thing! So leave it with us and your new mortgage offer will be with you quicker than you know it!
To find out more and to let us help you with your mortgage and protection needs please give us a call us on 0800 138 5856 or get in touch below.
Specialist mortgages are designed for applicants who don’t meet the standard criteria of high-street lenders. This includes self-employed individuals, contractors, expats, and those with adverse credit.
Specialist mortgages often have different eligibility criteria, require additional documentation, and may involve lenders who assess applications on a case-by-case basis rather than using rigid affordability rules.
Deposit requirements vary depending on your circumstances. Some specialist lenders may require a larger deposit, but options are available with as little as 5-10% down, depending on your financial profile.
Yes, some lenders specialise in adverse credit mortgages and consider factors like late payments, defaults, or CCJs on a case-by-case basis.
It depends on the severity of your credit issues. Some lenders accept applicants with recent credit problems, while others may require a clean credit history for 12-24 months.
Most lenders require at least two years of accounts, but some specialist lenders will consider applicants with just one year of trading.
