Become a Homeowner
Mortgages Tailored for Unique Challenges
At Mellow Financial, we specialise in finding mortgages that are considered “difficult to place.” With years of experience and access to an extensive network of lenders, we’re experts in helping clients who face unique challenges or don’t meet the standard lending criteria.
If you’ve been told by other lenders that you don’t qualify for a mortgage, we’re here to help. Our dedicated team understands that everyone’s circumstances are different, and we work tirelessly to find the right solution for you.
Who We Help
Poor Credit History
If you’ve experienced financial difficulties such as debt, defaults, County Court Judgments (CCJs), or even bankruptcy, we work with specialist lenders who understand your situation and are willing to offer tailored solutions.
Self-Employed Individuals
We understand the unique challenges faced by self-employed borrowers, particularly when it comes to proving income. Whether you’re a sole trader, contractor, or company director, we’ll help you find lenders that accept non-traditional income verification.
Low or Irregular Income
If your income doesn’t meet typical thresholds or is irregular, it doesn’t mean you can’t secure a mortgage. We work with lenders who look at the bigger picture and assess affordability differently.
Low Deposit Amounts
If you only have a small deposit, don’t worry. We work with lenders who offer mortgages with higher loan-to-value (LTV) ratios, helping you get on the property ladder with as little as 5-10% deposit in some cases.
Whether you’ve struggled with credit issues, have non-standard income, or face other challenges, we’re here to guide you every step of the way.
Contact us today to discuss your situation and explore how we can help.
Why Choose Mellow Financial?
At Mellow Financial, we believe that every situation deserves a solution. Our expertise in navigating complex applications and our relationships with specialist lenders allow us to secure the best possible outcome for our clients.
Difficult Mortgages FAQs
What are considered difficult mortgages?
Difficult mortgages refer to situations that fall outside typical lending criteria, such as self-employed borrowers with irregular incomes, non-standard properties, or clients with poor credit histories. Lenders often require more documentation or specialized products for these cases.
Can I get a mortgage if I’m self-employed?
Yes, but you’ll need to provide additional documentation, such as 1-2 years of accounts, SA302 tax calculations, or bank statements to demonstrate consistent income. Many lenders now cater specifically to self-employed borrowers, and we can help you navigate their requirements.
What types of properties are harder to mortgage?
Non-standard properties, such as those with non-traditional construction materials (e.g., timber frames or concrete walls), listed buildings, or properties above commercial units, may require specialist lenders. These properties pose unique risks, but Mellow Financial can connect you with lenders experienced in these cases.
How can Mellow Financial help with difficult mortgages?
We specialise in complex cases and have access to lenders who are more flexible and open to assessing unique circumstances. Whether it’s irregular income, adverse credit, or unusual property types, we can find a solution that works for you.
Will I need a larger deposit for a difficult mortgage?
ARRANGE A CALLYes, challenging situations often require higher deposits to reduce the lender’s risk. Deposits of 20-40% are common for complex cases, but our advisers can help you explore the best options for your circumstances.
Meet The Advisers
Mellow Financial Ltd is registered with the Data Protection Act 1998 registration No. ZB649453 and is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 1011568 an Appointed Representative of TMG Direct Limited which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number: 786245 and registered with the Data Protection Act 1998 Registration No: ZA178200.
Think carefully before securing debts against your home. Your home may be re possessed if you do not keep up repayments on a mortgage or any other debt secured on it. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.