Specialist Mortgages2018-08-01T13:29:23+00:00

Specialist Mortgages

Specialist Mortgages for self employed, self build, ex-pats & commercial properties

We can help with specialist mortgages for many different circumstances

There could be a various reasons why a mainstream mortgage lender may not consider lending, you may have recently become self employed, been contracting or may have complex income streams.

Furthermore, you could be resident overseas and looking to purchase a property as an ex-pat, at Chapelgate Private Finance we are well versed in helping people who do not fit ‘the norm’ so don’t hesitate to get in touch.

Types of specialist mortgage

Contractor Mortgages

There are benefits to being a contractor, flexibility and independence to name two, but life can be made hard when requiring a mortgage. Most lenders would treat you as self employed and require you to have at least two years finalised accounts but there are lenders that show a greater degree of flexibility, so whether you’re contracted on a fixed contract on an annual or daily rate we have access to some highly competitive rates, you needn’t be disadvantaged.

Equity Release

An equity release plan allows you to release some of the money tied up in your home, in the form of tax-free cash. This money can be used however you wish, enabling you to pay off your existing mortgage, make home improvements, gift your family a living inheritance… or find your own way to turn retirement into something special. We can introduce you to Key Retirement who can offer advice on equity release.

Ex-Pat Mortgages

Few lenders will lend to ex-pats and rates can vary greatly, so if you’re looking to purchase a property in the UK whether to live or let then we have the expertise to be able to assist.

Commercial Mortgages / Bridging Finance / Development Finance / Secured Loans

By being part of one of the largest advice networks in the UK, Openwork, we have access to a range of specialist lenders that operate in these areas.

Commercial mortgages and some bridging finance is not regulated by the Financial Conduct Authority.

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Other products you may be interested in

We offer advice on a wide range of mortgage and home insurance products designed to meet your needs

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Protecting Yourself

Your home may be repossessed if you do not keep up repayments on a mortgage.

The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Chapelgate Private Finance is a trade name of Chapelgate Associates Ltd which is an appointed representative of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Chapelgate Associates Ltd is a company registered in England and Wales 05539901 whose registered office is situated at 192 West End Lane, London, NW6 1SG