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Specialist Mortgages for Unique Circumstances
Because your income doesn’t fit a standard mould, your mortgage shouldn’t either.
At Mortgage-Tek, we understand that not everyone has a straightforward payslip or a perfect credit history. Whether you’re a contractor, self-employed, an expat, or someone with complex income, we specialise in finding lenders who see the full picture – not just the box-ticking criteria.
We work with more than 120 mortgage lenders, including
What Is a Specialist Mortgage?
A specialist mortgage is designed for borrowers who don’t fit the typical profile high street lenders expect. Instead of turning you away because you’re paid differently, have a limited trading history, or have faced financial challenges in the past, specialist mortgages give you access to tailored solutions that match your circumstances.
At Mortgage-Tek, we work with a wide panel of lenders who consider real-life income structures, credit backgrounds, and ownership models. That means you don’t have to force your finances into a standard mould – we build a solution around you.
Types of Specialist Mortgages We Offer
Types of Specialist Mortgages We Can Help With
Specialist mortgages aren’t one-size-fits-all. Each client’s journey is different, and the right mortgage product depends on income structure, credit history, or residency status.
At Mortgage-Tek, we match your unique profile to lenders who are ready to support it.
Here are the main areas we cover:
Contractor Mortgages
Designed for contractors whose income is based on contracts or day rates. Lenders assess your contract value, not payslips.
Self-Employed Mortgages
Flexible solutions for sole traders, limited company directors, and partners. Some lenders accept just one year of accounts.
Offset Mortgages
Link your savings to your mortgage to reduce interest and shorten the term. Ideal for those who want flexibility and savings growth.
Locum Mortgages
For medical professionals working locum shifts. We find lenders who understand irregular work patterns and variable income.
IT Contractor Mortgages
Tailored for IT specialists on short or rolling contracts. We work with lenders who recognise day-rate and project-based earnings.
CIS Contractor Mortgages
Built for construction workers under the CIS scheme. Some lenders use gross income from CIS vouchers instead of accounts.
Discounted Rate Mortgages
Offers a reduced interest rate for an initial period. A smart option for lowering monthly payments in the short term.
Fixed Term Contract Mortgages
For professionals on fixed contracts without permanent employment. We source lenders who accept contract income as reliable.
Interim Manager Mortgages
Specialist deals for interim managers moving between short-term roles. Lenders consider your professional track record, not just contracts.
Fixed Term Contract Mortgages
For professionals on fixed contracts without permanent employment. We source lenders who accept contract income as reliable.
Bad Credit Mortgages
Designed for borrowers with missed payments, defaults, or CCJs. We connect you with lenders who look beyond past issues.
Buy-to-Let for Limited Companies
A tax-efficient way for landlords to grow portfolios. We work with lenders who support borrowing via limited company structures.
Expat Mortgages
For UK property buyers living or earning abroad. We access lenders who specialise in foreign income and residency cases.
Complex Income Mortgages
Perfect for those with multiple income streams, bonuses, or commissions. Lenders assess your full financial picture, not just your base salary.
How Mortgage-Tek Makes It Simple
Getting a mortgage with unique circumstances can feel overwhelming, but that’s where we step in.
At Mortgage-Tek, we’ve built a process that takes away the guesswork and replaces it with clarity and confidence.
Here’s how we do it:
We Understand Your Story
 Your income and background are unique. We take the time to listen and understand your full financial picture.
We Match You to the Right Lenders
Not all lenders see things the same way. We connect you with those who specialise in cases like yours.
 We Handle the Paperwork
From gathering documents to presenting your case, we make sure everything is packaged correctly for approval.
We Negotiate on Your Behalf
We don’t just submit applications — we actively work with lenders to secure you the most competitive deal possible.
We Support You Until Completion
Our job doesn’t end with an approval. We guide you right through to completion and beyond, with advice you can trust.
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Why Mortgage-Tek?
Why Choose Mortgage-Tek for Specialist Mortgages?
Choosing the right broker is crucial when your circumstances don’t fit the standard lending criteria.
At Mortgage-Tek, we combine expertise with access to lenders who specialise in complex cases, ensuring you get the deal that suits you best.
Here’s why clients choose us:
Specialist Knowledge
We understand contractors, self-employed professionals, expats, and complex income profiles.
Wide Lender Access
We work with lenders beyond the high street, giving you more options and flexibility.
Tailored Approach
Every case is assessed individually, so your unique story is at the heart of our advice.
Competitive Deals
We negotiate directly with lenders to secure the most suitable and cost-effective solution.
End-to-End Support
From the first conversation to completion, we manage the process with clarity and care.
Quick & Efficient
With Mortgage-Tek, you get more than a mortgage — you get a partner who knows how to make specialist cases succeed.
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.
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) |
Specialist Mortgage FAQs
What makes a mortgage ‘specialist’?
A specialist mortgage is designed for people who don’t meet standard lending criteria, such as contractors, self-employed, expats, or those with complex income.
Can I get a mortgage if I’m self-employed with only one year of accounts?
Yes. Some specialist lenders accept just one year of trading history, especially if your business shows strong growth.
Will bad credit stop me from getting a mortgage?
Not necessarily. Many lenders consider your full financial situation and may still offer you a mortgage even with past credit issues.
How much deposit do I need for a specialist mortgage?
This varies by case, but typically starts from 10–15%. Some lenders may ask for more, depending on your profile.
Do specialist mortgages have higher interest rates?
Rates can be slightly higher, but not always. We compare lenders to secure you the most competitive deal available.
Can I remortgage with a specialist lender?
Yes. Whether you want a better rate or to release equity, we help clients remortgage with specialist lenders all the time.
Is the process more complicated than a standard mortgage?
It can be, but that’s where we step in. We handle the paperwork and negotiations so the process feels simple and stress-free.