Specialist

From sole traders to limited company directors, I understand the challenges of proving income when you're self-employed. Whether you’ve only been trading for a year or reinvest your profits, I’ll match you with lenders who take a flexible, practical approach.

If you're paid by the day or work through short-term contracts, you may have been told you don’t qualify for a mortgage, but that’s not true. I work with lenders who understand the contractor model and base affordability on your actual earnings, not outdated criteria.

If you're juggling multiple debts, rolling them into your mortgage may offer a manageable solution. I’ll guide you through the risks and benefits, ensure you're eligible, and help you regain control of your finances with the right long-term support.

For clients with complex income, large asset bases, or investment portfolios, I offer tailored advice with access to private banks and specialist lenders. Whether you're buying a high-value home or refinancing a portfolio, I’ll structure a deal that suits your lifestyle and goals.

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If you've had CCJs, defaults, missed payments or even bankruptcy, I can help. Some lenders specialise in helping clients with impaired credit, and I’ll work with you to find a realistic, affordable route to homeownership or refinancing.

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Interest-only mortgages can help with cash flow or align with long-term plans, but they require the right exit strategy. I’ll help you understand the pros and cons, and match you with lenders who offer sensible, sustainable terms.