Mellow FinancialDifficult mortgages.
Been told you don't qualify? We specialise in cases that fall outside standard lending rules, and we'll find the lenders that look at the bigger picture.
Who we help
Situations we see every week.
Poor credit history
Debt, defaults, CCJs or bankruptcy. Specialist lenders understand and offer tailored solutions.
Self-employed
Sole traders, contractors and company directors. We find lenders who accept non-standard proof of income.
Low or irregular income
Lenders who assess affordability differently and look beyond the usual thresholds.
Small deposits
Higher loan to value lenders, with as little as 5 to 10% deposit in some cases.
Why Mellow
Every situation deserves a solution.
Our experience with complex applications and our relationships with specialist lenders mean we can get results where others can't.
Whatever has held you back, we'll guide you through every step.
Questions
Frequently asked.
What counts as a difficult mortgage?
Anything outside typical lending rules, such as irregular self-employed income, non-standard properties or poor credit. Lenders often need more documents or a specialist product.
Can I get a mortgage if I'm self-employed?
Yes. You'll usually need one to two years' accounts, SA302 tax calculations or bank statements to show steady income. We know which lenders suit your situation.
Which properties are harder to mortgage?
Non-standard construction such as timber frame or concrete, listed buildings, and flats above shops can need specialist lenders. We know who lends on them.
Will I need a bigger deposit?
Often. 20 to 40% is common for complex cases, but it depends on your circumstances.