Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage advice for loans above £1 million. We work with private banks and specialist lenders who understand non-standard income and assets, so your application gets the depth of review it needs.
Mainstream lenders use rigid automated systems that struggle to categorise complex income like RSUs, foreign dividends, or retained business profits.
Being forced to liquidate high-performing investments or disrupt your tax strategy simply to meet a bank’s “standard” deposit requirements.
Losing critical time to faceless call centers and repetitive paperwork while high-value property opportunities pass you by.
We bypass the computers, presenting your total global wealth directly to human decision-makers at private banks who value your full financial narrative.
We bypass the computers, presenting your total global wealth directly to human decision-makers at private banks who value your full financial narrative.
You get a direct line to our senior partners and a strategy appraisal within 3 hours, giving you the leverage to move first on any acquisition.
A snapshot of your real estate, liquid investments, and business equity.
A brief outline of how your income is generated (e.g., bonuses, carried interest, or dividends).
Whether you are seeking maximum leverage, lowest cost of capital, or absolute speed.
Bespoke structures for high-value assets and non-standard income streams.
Specialist mortgage advice tailored to company directors and the self-employed.
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Fast-tracked capital for property developers and professional investors.
High-stakes lending is deeply personal. We look beyond the spreadsheets to understand your vision, providing the senior-level guidance and “Yes-First” commitment your portfolio deserves.
Typical offers land within 2 to 4 weeks of application on straightforward cases, and we've placed urgent cases significantly faster where lenders and valuations align. We'll give you a realistic timeline on the first call rather than an optimistic one you'll have to forget later.
Yes. Self-employed directors, contractors, CIS workers, dividend-heavy earners and clients with international income all sit well within our expertise. We use lenders who consider retained profits, day rates and bonus income properly, rather than the narrow PAYE-focused calculators on the high street.
A fixed fee of £499 applies on standard residential cases, payable on issuance of the mortgage offer. For more complex cases, £249 is due on application with the balance on offer, and higher fees may apply on bespoke adverse or high-value cases. The fee is always agreed with you in writing before any advice is given.
Commercial and development finance is handled by our sister firm, AB Specialist Finance (ABSF), which holds the specific regulatory permissions for non-regulated lending. Same office, same team, different panel. You can read more on our Commercial / Bridging page or enquire directly with ABSF.
Not at all. CCJs, defaults, IVAs, DMPs and discharged bankruptcy are all placeable with the right specialist lender. We run soft searches first to protect your credit file, and only apply where we're confident of approval. A perfect score helps, but a clear explanation and the right lender matters more.
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