Specialist mortgages

Find the right specialist mortgage for you with the best advice from Ayla Mortgages.

If you have been rejected by your bank or think you can’t get a mortgage, do not give up hope. Trust Ayla Mortgages to find the right specialist mortgage to help you buy your dream home.

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Mark Y
Mark Y
2023-12-11
I can’t recommend enough! Made the process easy, was always willing to explore every option and helped me arrive at the right product for me. Thanks again
Nick Kane
Nick Kane
2023-12-08
Jonathan is always extremely helpful and jumped onto this request asap and secured a great deal for me which I was very happy with.
Debbie Rich
Debbie Rich
2023-12-05
Jonathan is absolutely fantastic, he explains everything very clearly and always makes my remortgaging process easy, swift and affordable. He knows the market inside out. It’s a pleasure to work with him.
Eve Penford
Eve Penford
2023-09-07
Jonathan was a great help when I needed to get a UK mortgage after living for years overseas. He listened to me to determine exactly what options would be best for me, found me a great rate, and his attention to detail meant that everything went very smoothly. Would recommend!
Isabel Shave
Isabel Shave
2023-07-20
Jonathan answered all the questions I had regarding my mortgage promptly and in depth. I would definitely recommend him to anyone needing help with buying their new home.
Luke Rogers
Luke Rogers
2023-06-12
Jonathan is the consummate professional. We have worked with him on 3 occasions and each time he took the time to explain our options and the relative pros and cons. He has helped us save money and manage risk and truly a person we have come to trust. He has supported my wife's family for many years and we will continue to work with him as long as he is working in the mortgage industry. If you are looking for sound advice and efficient management of changes needed I can't recommend Jonathan and Ayla too highly.
David Crook
David Crook
2023-05-04
Really enjoy working with Jonathan to get to the best place for our mortgage. We agree on all of the parameters for dipping in and out of fixed rate options.
Neil Singh
Neil Singh
2023-04-04
Jonathan was very professional and our remortgage came through bang on time with no fuss or problems. I am happy to recommend Ayla Morgages.
Jane Fowke
Jane Fowke
2023-03-17
I can wholeheartedly recommend Jonathan at Ayla Mortgages. He has always given me wise advice and when we came to needing to secure a mortgage deal the week that over 800 lenders withdrew their rates, he was up at midnight and then first thing the next day, holding on a phone line for several hours, until the deal was confirmed! He made a stressful time as easy for us as it could have been. I will always use him!
Jesus Rodriguez
Jesus Rodriguez
2023-02-03
We have recently had Jonathan help us with buying our first house, and cannot put into words how informative, patient and caring him and his team were throughout the process. I cannot but to HIGHLY Recommend them. Gracias!

Introduction

Standard mortgages might be suitable for people who fit the ideal borrowing profile, but there are many people with specific borrowing needs. If you have specialist needs, you might find that you are unable to get a mortgage through a normal high-street lender. This is why there are many different types of specialist mortgages to suit every type of borrower. Whether one of the mortgage types below seems right for you, or you require a combination of different specialist mortgages, going through a mortgage broker in Ringwood, Bournemouth and Poole like Ayla Mortgages offers access to a wider range of lending options.

Many specialist mortgage lenders do not offer their products straight to homebuyers or mortgage clients, meaning that you have to go through a broker to get access to some specialist mortgages. As part of a larger advice network, we have access to experienced specialist mortgage brokers. We can also help you find better mortgage products from high-street banks, building societies and other well-known lenders.

Types of specialist mortgages

We can help with all these types of specialist mortgages and more:

Offset Mortgages

An offset mortgage is a mortgage linked to a savings or current account with the same lender. The lender will deduct your account balance from the mortgage balance and only charge you interest on the net balance. This can help you reduce the amount of interest you pay over the course of your mortgage. 

Freelance and Self-Employed Mortgages

It can be hard for freelancers to prove their income, so often they need a specialist mortgage lender with different lending criteria and affordability calculations. This will usually be based on your past two years of trading profits.

Bridging Loans

Also known as a bridge loan, this is a short-term sloan secured against your property. It can be used to cover the gap between a property purchase and the approval of a traditional mortgage, the sale of the new property, or the sale of an existing property. This can be used when you need the funds to purchase a new property sooner, or when you want to develop or refurbish a property.

Contractors

These mortgages look at your contract terms rather than your accounts to maximise your affordability, helping you get into a better property. You can get a mortgage with at least 6 month’s worth of contract or employment history as a contractor, or if you can demonstrate previous industry experience.

Let-to-Buy Mortgages

A let-to-buy mortgage lets you turn your existing home into a buy-to-let property while often releasing additional equity which can be used as a deposit for a new home. You can do this by remortgaging your home on a buy-to-let basis by taking out a buy-to-let remortgage on your old home and a residential mortgage on your new property.

Private Bank Mortgages

These mortgages are considered on a case-by-case basis and can be more appropriate for high-net-worth borrowers. Private banks can offer you higher loan amounts by taking your savings and wealth into consideration as well as your income, and they can handle much more complex cases than high street lenders.

Development Finance

Development mortgages are designed to let you borrow the funds to build or develop a property for residential or buy-to-let purposes. These mortgages can help you purchase the land and get the funds for the building work, including for non-standard construction developments.

Ex-pat Mortgages

You might need an ex-pat mortgage if you want to buy a UK property while living overseas as a UK national. An ex-pat mortgage can help you purchase a residential mortgage for when you move back to the UK, or if you want to remortgage your residential home as a buy-to-let property.

Interest-Only Mortgages

An interest-only mortgage will let you only make the interest payments each month, instead of paying interest and capital repayments like you would on a repayment mortgage. You then pay the full mortgage balance at the end of the mortgage term or upon selling the property. 

High Networth Individuals

Specialist mortgage offers for large or high-value property purchases, beyond the usual high-street lender limit of £1 million to £10 million. These higher limits are only available through specialist lenders and can be secured against the property or other assets you have.

New Build Mortgages

New build properties can be hard to mortgage if you are buying off-plan, or if lenders under value new builds. A new-build mortgage can help ensure that you get the loan value you need, whether or not you are using the Government’s Help to Buy scheme to cover some of the property’s value with a Government loan.

Mortgages for Doctors

These mortgage lenders will properly assess the LLP status of practices, where income can be unpredictable. Properly assessing the variable income of doctors can ensure better affordability calculations, letting you borrow a higher amount for your property purchase.

An offset mortgage is a mortgage linked to a savings or current account with the same lender. The lender will deduct your account balance from the mortgage balance and only charge you interest on the net balance. This can help you reduce the amount of interest you pay over the course of your mortgage.
It can be hard for freelancers to prove their income, so often they need a specialist mortgage lender with different lending criteria and affordability calculations. This will usually be based on your past two years of trading profits.
Also known as a bridge loan, this is a short-term sloan secured against your property. It can be used to cover the gap between a property purchase and the approval of a traditional mortgage, the sale of the new property, or the sale of an existing property. This can be used when you need the funds to purchase a new property sooner, or when you want to develop or refurbish a property.

These mortgages look at your contract terms rather than your accounts to maximise your affordability, helping you get into a better property. You can get a mortgage with at least 6 months’ worth of contract or employment history as a contractor, or if you can demonstrate previous industry experience.

A let-to-buy mortgage lets you turn your existing home into a buy-to-let property while often releasing additional equity which can be used as a deposit for a new home. You can do this by remortgaging your home on a buy-to-let basis by taking out a buy-to-let remortgage on your old home and a residential mortgage on your new property.
These mortgages are considered on a case-by-case basis and can be more appropriate for high-net-worth borrowers. Private banks can offer you higher loan amounts by taking your savings and wealth into consideration as well as your income, and they can handle much more complex cases than high street lenders.
Development mortgages are designed to let you borrow the funds to build or develop a property for residential or buy-to-let purposes. These mortgages can help you purchase the land and get the funds for the building work, including for non-standard construction developments.
You might need an ex-pat mortgage if you want to buy a UK property while living overseas as a UK national. An ex-pat mortgage can help you purchase a residential mortgage for when you move back to the UK, or if you want to remortgage your residential home as a buy-to-let property.
An interest-only mortgage will let you only make the interest payments each month, instead of paying interest and capital repayments like you would on a repayment mortgage. You then pay the full mortgage balance at the end of the mortgage term or upon selling the property.
Specialist mortgage offers for large or high-value property purchases, beyond the usual high-street lender limit of £1 million to £10 million. These higher limits are only available through specialist lenders and can be secured against the property or other assets you have.

New build properties can be hard to mortgage if you are buying off-plan, or if lenders under-value new builds. A new-build mortgage can help ensure that you get the loan value you need, whether or not you are using the Government’s Help to Buy scheme to cover some of the property’s value with a Government loan.

These mortgage lenders will properly assess the LLP status of practices, where income can be unpredictable. Properly assessing the variable income of doctors can ensure better affordability calculations, letting you borrow a higher amount for your property purchase.

Why choose Ayla Mortgages to secure your specialist mortgage?

At Ayla Mortgages, we have access to a network of advisers with experience getting all kinds of specialist mortgages for our clients. We know that every person’s situation is different and we have the expertise to help you get the right deal, no matter your needs. Whether you are self-employed or are looking for a mortgage to build your own home, we can direct you to a specialist mortgage broker team  to help.

As well as having access to more lenders, we can also help you get better terms from high-street lenders. This can be in the form of a higher loan to value amount, better affordability calculations, or lower interest rates. To see how we can help as a leading mortgage broker in Dorset, simply get in touch today.

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