Specialist Mortgages

Expert advice

At Home Group Financial, we understand that not every mortgage fits the standard mould. Whether you’re an investor, property professional, or looking to finance an unusual property type, we provide expert advice on a wide range of specialist mortgages.

Complexity

We work with clients across the UK who need flexibility, experience, and lender access to help secure suitable finance for properties or situations that fall outside typical criteria. Our service is designed to handle complexity—efficiently and confidently.

What Are Specialist Mortgages?

Specialist mortgages are designed for non-standard properties, investment strategies, or borrowers with complex requirements. They often involve more in-depth underwriting and a broader knowledge of lender criteria, which is where our expertise comes in.

Equity Release & Lifetime Mortgages

Access tax-free cash from your home in later life—safely and responsibly—with regulated equity release advice.

Commercial & Bridging Finance

Short-term and commercial lending for time-sensitive purchases, auctions, development projects, or commercial premises.

Flats Above Commercial Premises

Help with securing finance for residential flats located above shops, restaurants, or offices—often requiring specialist lenders due to perceived risk.

Holiday Let & Airbnb Mortgages

Mortgages for short-term let properties used for holiday rentals or platforms like Airbnb. Lender criteria can vary, so tailored advice is key.

Portfolio Landlords

Support for landlords with four or more properties who require a more strategic approach, often including portfolio structuring and rental stress testing.

Buy-to-Let Mortgages

Whether you’re a first-time landlord or expanding your portfolio, we help you find suitable BTL products, including interest-only options and limited company structures.

Listed & Non-Standard Construction Properties

We provide advice for purchasing or refinancing listed buildings, unusual builds (e.g. timber, steel-frame), or heritage properties with specific requirements.

Limited Company Buy-to-Let

Tax-efficient lending options for landlords operating through a limited company (SPV). We assist with lender selection, structuring, and documentation.