Logo MortgageTek contractor mortgage Broker

Phone

020 3827 8558

Email

info@mortgage-tek.co.uk

Address

Watford WD18 9SB

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Specialist Finance for Property Investors and Developers

If you’re looking for fast, flexible funding, our specialist finance solutions are tailored to meet the needs of property investors, developers, and buyers. Whether you need bridging loans, development finance, or auction finance, we provide quick access to capital, so you can secure your next property deal without delays. Our expert team works with you to find the best finance options, ensuring you have the funds when you need them most.

We work with more than 120 mortgage lenders, including

WHAT

What is Specialist Finance?

Specialist finance refers to a range of flexible, short-term financing options designed for property investors and developers who need quick access to funds. Unlike traditional mortgages, specialist finance solutions, such as bridging loans, development finance, and auction finance, are tailored for specific property-related needs. Whether you’re looking to purchase an auction property, fund a development project, or bridge a gap in your financing, specialist finance allows you to act fast and secure the best property deals. With faster approvals, less paperwork, and more flexibility, these financial products are ideal for property professionals who need to move quickly in a competitive market.

TYPES

Types of Specialist Finance We Offer

At Mortgage-Tek, we offer a range of specialist finance solutions built to suit different property goals. From short-term lending to complex investments, our finance products are tailored for speed, flexibility, and control.

Commercial Finance
Bridging Loans
Ideal for short-term property purchases, chain breaks, or quick funding before long-term finance kicks in.
Specialist Finance
Development Finance
Perfect for residential or commercial property development, from light refurbishments to ground-up builds.
Specialist Finance
Auction Finance
Fast funding to help you meet strict auction deadlines—often within 28 days.
 
Specialist Finance
Commercial Mortgages
Tailored for purchasing or refinancing commercial properties like shops, offices, or industrial units.
How Much Can I Borrow Calculator
Use our free calculator to quickly estimate how much you could borrow based on your income. On this page, you’ll also find helpful information about mortgage eligibility and what lenders are looking for. Whether you’re employed, self-employed, a company director, a locum, or retired, At MortgageTek, we’re here to help you understand your borrowing potential and move forward with confidence.

First Applicant

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Your Estimated Borrowing Amount

£0
Based on your income details, this is an estimate of how much you might be able to borrow.

Why Choose Mortgage-Tek for Specialist Finance?

At Mortgage-Tek, we provide fast, flexible specialist finance across the UK—tailored to developers, landlords, and property investors. From auction purchases to complex developments, our expert team ensures your funding works on your timeline.

Ex[erts

Specialist Knowledge

We focus solely on specialist property finance—bridging loans, auction finance, and development funding

speed you can count on

Speed You Can Count On

Get fast approvals and quick access to funds, ideal for time-sensitive projects. 

Tailored Solutions

Tailored Solutions

Every project is different. We customise your finance package to suit your property goals. 

No Surprises

No Surprises

Transparent rates and terms—so you always know exactly what you’re getting.

Trusted by Investors

Trusted by Investors

Property investors across the UK rely on us for dependable specialist lending.

Quick & Efficient

Quick & Efficient

We manage all the paperwork efficiently, giving you more time to focus on what matters

TESTIMONIALS

What people say

Mo is extremely professional and has helped me on multiple occasions with new mortgage and remortgage transactions for the past 3 years. I found MortgageTek and the team to be efficient, have constant communication with me every step of the way, and be outstanding plus helpful in resolving any issues that may arise along the way. I highly recommend MortgageTek for any future transaction as Mo always gets good rates

GORETTY DIAS

Customer

Would thoroughly recommend using Mortgagetek if you are a contractor. Mortgage applications are confusing enough as it is, so it’s great you can depend on the application being made smoothly by the team at Mortgagetek. Kate was excellent in keeping me updated and dealing with any questions I had. Will use them again.

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JAMES MORTON

Customer

Mo has helped me with multiple mortgage brokering both for new, remortgage and BTL transactions for about 4 years. I’ve found Mo and his team to be efficient, have clear and constant communication with me every step of the way, and very helpful to resolve any issues that may arise along the way. I unreservedly recommend MortgageTek.

SEUN OLOWOJEBUTU

Customer

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Get in Touch For Our Expert Mortgage Advice

Looking for the right mortgage solution? Whether you’re securing a better rate, switching deals, or exploring let-to-buy options, our experts are here to help. Get in touch today for tailored mortgage advice and find the best deal for your needs—hassle-free and straightforward!

Call Us 020 3827 8558
Email Us
info@mortgage-tek.co.uk
Address 31, Metro Centre, Dwight Rd, Northwood, Watford WD18 9SB
Opening Hours Mon–Fri (8:30am–7pm)
Sat (9am–5pm)

Frequently Asked Question

 

1. What’s the difference between specialist finance and a traditional mortgage?

specialist finance includes short-term or flexible funding such as bridging loans, development finance, and auction finance. These are faster, more adaptable, and ideal for time-sensitive property projects, unlike rigid traditional mortgages.

2. How fast can I get approved for specialist finance?

Most specialist finance options offer approval within 24–72 hours, with funds available shortly after. This speed is essential for auction purchases or bridging gaps between transactions.

3. Can I use specialist finance with poor credit?

Yes. Many lenders in the specialist finance market consider the strength of the project and the exit strategy more than your credit history. Mortgage-Tek helps match you with lenders open to flexible criteria.

4. What kind of projects qualify for development finance?

Both ground-up developments and heavy refurbishments can qualify. Whether it’s building flats, converting a property, or a commercial-to-residential project, we can help secure the right development funding.

5. Is auction finance available before I bid?
Yes. We help you arrange an Agreement in Principle before the auction, so you know how much you can borrow and can bid confidently.
6. Do I need an exit strategy for bridging or development loans?
Absolutely. Specialist lenders usually require a clear repayment plan—whether that’s selling the property, refinancing, or using rental income. We help you build a strong exit strategy.