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17 May 2021

Bespoke Mortgages

Bespoke mortgages are there for you when you do not fit ‘normal’ criteria.

What is normal?

Normal doesn’t feel like it has much of a place anymore, seeming ever more like a word of the past. Every mortgage enquiry is unique, and quite often we are faced with clients that do not necessarily tick any of the wrath of boxes available to them.

Thankfully our bespoke lenders have dedicated underwriters who understand complex income structures or special situations that require a sensible decision. Ultimately an underwriter is assessing the risk of lending funds on behalf of the lender. It is up to us as brokers to build a case that helps them make an easy decision and see the positives of the application.

Cases we have secured recently with bespoke lenders

-Newly formed business with one years trading history, £500,000 mortgage over a 30-year term

-Shareholder of a recently incorporated partnership wasn’t drawing any income, mortgage agreed on historic accounts and retained profits

-Hairdresser affected by COVID had very little income last year so income agreed on pre-covid terms

-£1.3m mortgage agreed for a client who started a new employment contract during the application process, also retaining their existing property to let

-Mortgage prisoner assisted with porting their existing mortgage with zero income as recently sold their business – mortgage agreed based on savings to support mortgage

If your situation doesn’t fit the mould email us at or contact us here

Bespoke Mortgages

Privacy notice

HOME OF MORTGAGES will be what is known as the ‘controller’ of the personal data you provide to us. We only collect basic personal data about you which does not include any special types of information or location-based information.

Why do you need my data and what will it be used for?

We need to know your basic personal data so we can make contact with you and respond to your message, request or query. All the personal data we process is processed by our staff in the UK.

Who is my data shared with?

Your data will only be shared with third parties if this is necessary to respond to your request. If this is the case, we will seek your permission before passing on your details.

How long do you keep my data for?

We may store your data for up to six years past the end of any business relationship, after which time it will be securely destroyed. If you would no longer like us to process your data at any time, you have the right to object to processing of your data. To do this, please contact

What are my rights?

You have the right to object to the processing of your data. You also have the right to request access to your data at any time. You have the right to rectification and/or erasure of personal data or restriction of processing. If you wish to raise a concern related to how we have handled your personal data, you can contact us to have the matter investigated at If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law, you can complain to the information commissioner’s office: