No matter who you are, we’ve got what you need.
Why choose a specialist mortgage broker
Here at Your Certified Expert, you’ll have access to specialist mortgage brokers who can connect you to the exact mortgage product that you need for your next property. As fully independent specialist mortgage brokers, we can provide you with offers from over 300 lenders so you can select the best mortgage offer for your situation.
There are many unique mortgages out there. Some of these mortgages are only available to first-time buyers. Other mortgages exist to help you buy a specific property type (like an HMO mortgage). In some situations, you may need a specialist mortgage to help you get a loan if you work freelance or have bad credit.
We can help with all types of mortgages. So, why should you choose a specialist mortgage broker and advisor? Easy. You get these top benefits.
Get expert advice from a certified mortgage broker specialist
Not only can we connect you with all the available mortgage rates and offers available to you from leading UK lenders, but we can also provide bespoke advice. We’ll help you understand your mortgage options to find the right fit.
We can even provide bespoke advice on how to improve your application, regardless of whether you’re looking to buy with bad credit, buy a new home, or buy as a freelancer.
Work with your very own dedicated specialist mortgage advisor
When you work with us, you’ll have your very own specialist mortgage advisor at your side throughout the process. Your advisor will be there to answer any questions, help you understand the mortgage products out there, and help you know which one is best for your situation.
Get offers from up to 300+ lenders
Once you know which product is best for your situation, we’ll then work on getting offers from leading lenders. The benefit of working with specialist mortgage brokers is that we understand your financial position, and use that understanding to help pitch your application to the right lenders.
You want a specialist mortgage broker to help connect you with unique mortgages so you can buy your first or next property with ease. We can help those looking to build up a rental portfolio, those looking to buy their first home, and even those looking to move or release equity from their property.
What is a specialist mortgage?
A specialist mortgage is any type of mortgage that requires extra checks (for example, a mortgage for a freelancer or someone with bad credit) or a unique kind of mortgage (like buy-to-let, equity release, or HMO mortgage). Having specialist mortgage advisors on your side can help you understand these unique mortgages and improve your application so you have more options from lenders.
Why do I need to work with a mortgage broker specialist?
With a mortgage specialist broker, you’re more likely to find mortgage product offers since our specialists understand your circumstances and know how to put together an application that appeals to lenders.
The reason why you may need to go to a mortgage broker specialist when you need a unique mortgage is we can help lenders better understand your situation. We know what lenders look for and the lenders that offer unique mortgages, so we can put your application forward to lenders most likely to make offers.
Are specialist mortgages more expensive?
Not necessarily. Some specialist mortgages, like first time buyer mortgages, may cost less than traditional mortgages, thanks to government support or lender introductory offers. Others, like freelance or bad credit mortgages, may cost more. Our specialist mortgage advisors will help you understand what to expect in advance so you are fully prepared when making an application.
