Get Expert Support for Quantum Mortgages
Specialist Support for Quantum Mortgages
Quantum Mortgages offers a range of residential and buy-to-let mortgages with flexible lending criteria for borrowers who may not fit traditional lending models. Known for tailored solutions, they work with brokers to provide competitive rates, helping first-time buyers, self-employed individuals, contractors, and landlords secure the finance they need. At Mortgage-Tek, we make accessing Quantum’s products simple, guiding you from initial enquiry to final approval.
We work with more than 120 mortgage lenders, including
Why
Why Quantum Mortgage Is a Great Option
Why Quantum Mortgage Could Be the Right Fit for You
 Quantum Mortgages is ideal for borrowers with non-standard income or complex financial circumstances. Self-employed professionals, contractors, and landlords can benefit from their flexible approach, which often includes manual underwriting and a personal review of your financial situation rather than relying solely on automated systems. They offer a variety of mortgage types, including fixed, tracker, and buy-to-let products. As an intermediary-only lender, applications must go through brokers like Mortgage-Tek, where we provide expert guidance, handle documentation, and help you choose the mortgage that best suits your needs.
Criteria of Quantum Mortgage
Who Can Apply for a Quantum Mortgage?
Broker Requirement
You must apply via an authorised mortgage broker; Quantum does not accept direct applications from the public.
Age Criteria
Applicants must be at least 18 years old, with maximum ages typically ranging from 70–85 at the end of the mortgage term depending on the product.
Residency Status
Applicants must have UK residency with verifiable UK address history.
Minimum Income
For buy-to-let, minimum income is usually £25,000. Residential mortgages have no strict minimum, but affordability assessments are required.
Self-Employment History
Self-employed applicants need at least 12 months of trading history and supporting financial documents, such as SA302s and tax returns.
Contractor Criteria
Contractors should provide current contracts and evidence of a track record or day-rate income. Some zero-hour or flexible contracts may also be considered.
Credit Profile
A good credit history is preferred. Minor credit issues may be accepted case by case.
Property Standards
Properties must meet Quantum’s valuation and construction requirements.
Affordability Checks
Applicants must pass affordability and stress tests to confirm repayment ability even if interest rates rise.
Buy-to-Let Requirements
Rental income must satisfy Quantum’s Interest Coverage Ratio (ICR), typically 125%–145% of the mortgage interest.
Benefits of Securing Quantum Mortgage
Why Choose a Mortgage from Quantum Mortgage?
Quantum Mortgages offers flexibility, competitive rates, and support for a wide variety of borrowers.
Flexible Lending Criteria
Suitable for self-employed, contractors, freelancers, and borrowers with unique income structures.
Manual Underwriting
Applications are assessed by experienced underwriters, increasing the likelihood of approval for non-standard cases.
Competitive Interest Rates
Access fixed, tracker, and bespoke mortgage deals, including broker-only exclusives.
Buy-to-Let Friendly
Ideal for individual landlords, limited company investors, portfolio landlords, and first-time landlords.
Product Transfer Support
Existing customers can switch to new Quantum products without a full remortgage process.
Secure Backing
Quantum provides stability and experience, delivering confidence in long-term mortgage commitments.
Partnering with Quantum Mortgage
Our Role in Securing Your Quantum Mortgage
Mortgage-Tek works closely with Quantum Mortgages to simplify the mortgage process. As an authorised broker, we know Quantum’s products, underwriting approach, and criteria inside out. From initial discussion to final approval, we manage your application, compare options, and liaise directly with Quantum on your behalf. This ensures you save time, avoid mistakes, and have a stronger chance of securing the most suitable mortgage deal.
Compare & Find the Right Mortgage For You
Compare Quantum Mortgage with Other UK Mortgage Options
Mortgage Comparison
 Compare Quantum Mortgages with leading UK lenders to understand how their flexible criteria and competitive rates stack up. We help self-employed professionals, landlords, and first-time buyers find the right fit.
Mortgage Quote
Receive a personalised mortgage quote from Quantum Mortgages via Mortgage-Tek. We assess your situation and show you what Quantum can offer quickly, clearly, and without pressure.
BORROW
Curious About How Much You Can Borrow?
Use our calculator to get an instant estimate of how much you could borrow with Quantum Mortgages based on your income and expenses. Whether buying your first home, remortgaging, or investing, it’s an essential first step before speaking with an expert. No credit checks, just instant guidance.
Your Estimated Borrowing Amount
Let’s Connect
Looking to speak with an expert about Quantum Mortgages?
Don’t let strict lending rules hold you back. We’ll help you secure a Quantum mortgage that suits your circumstances, with fast, clear, and personalised advice.
Take the next step toward your new home today.
FAQ’s
Can I apply directly with Quantum Mortgages??
No, Quantum is an intermediary-only lender. Applications must go through authorised brokers such as Mortgage-Tek.
Does Quantum accept self-employed or contractor applicants?
Yes. They are flexible with non-standard incomes and manually assess self-employed, contractors, and freelancers with at least 12 months of income history.
What is the minimum deposit required for a Quantum mortgage?
Residential mortgages usually require 5% (95% LTV) minimum deposit. Buy-to-let mortgages typically require 20–25%, depending on property and borrower profile.
Can limited company landlords apply for buy-to-let mortgages?
Yes. Quantum supports buy-to-let mortgages for individuals and limited companies, with additional documentation such as company accounts and director details.
How long does it take to get a mortgage offer from Quantum?
Once a complete application is submitted, Quantum generally issues an offer within 10–15 working days, depending on complexity and valuation timelines.
What credit score do I need to qualify with Quantum?
While no fixed score is published, a clean credit history helps. Minor issues may be accepted on a case-by-case basis.
Can I switch products with Quantum without remortgaging?
Yes, Quantum offers product transfer support for existing borrowers, allowing you to switch to new deals without a full remortgage process.
Are Quantum mortgages suitable for first-time buyers?
Absolutely. Quantum provides competitive rates and flexible lending options designed to help first-time buyers secure their first home.