SpecialistMortgages
Getting the personalised advice that is right for you
At DF Mortgage & Protection Specialists we are dedicated to helping you navigate the world of lending, ensuring you secure the best offers to achieve your dream of homeownership. Whether you have adverse credit are self-employed, or need a unique solution like joint borrower/sole proprietor, our expertise and access to a wide range of market deals we will find the right mortgage for your needs. If don't see the type of mortgage you're looking for, don't hesitate to contact us—our list is just a starting point!
Specialist Lending
Adverse Credit
This does not always mean you cannot a get a mortgage, from late payments, CCJ’s, defaults, bankruptcy, debt management plans & IVA’s, we have a range of lenders that maybe able to help. We recommend you start with obtaining a copy of your credit file.
Foreign Nationals
Looking to purchase a home in the UK? The UK mortgage market can seem overwhelming and complex, let us guide you through the process by exploring the different lenders based on your VISA and length of time in the UK.
Self Employed
Sole trader, partnership, limited company or CIS worker? Being self-employed should not stop you getting on the property ladder, from using accounts, personal tax returns or accountants’ certificate to evidence income we have a range of lenders to suit you.
Non-Standard Construction
Who knew that not all houses in the UK are standard construction? If the property you want to buy or remortgage is not ‘standard’ construction (generally brick walls, concrete foundations and a tiled roof) then obtaining a mortgage will be more complex. Most common non-standard constructions are Timber Framed or Steel Framed, we have a range of lenders that will consider.
Joint borrower/Sole Proprietor
Looking to buy on your own but cannot find a mortgage lender that will consider based on just your circumstances? This is a unique way to get on the property ladder with specialist advice and support. This is where two or more people apply for the mortgage but only one person is listed as the property owner.
Council Right to Buy
​Many councils will offer tenants the chance to buy their council house, and often comes with a discount depending how long you have rented the property, has the council offered you this chance? If so get in touch for us to support you with the best mortgage deal and hold your hand throughout the process.
Contractor/Agency Worker/Zero Hours
Not everyone has a permanent job, there are now lots of different types of employment in the UK, maybe you are a teacher on a fixed term contract, a care worker, work in the IT/consultancy industry, we have a range of lenders to suit based on experience and type of industry.
New Build
Dream of owning a brand new house? We can help make that happen, with our in-depth knowledge on which lenders are best for new build and how to include builders deposits and incentives, along with working quickly with the timescales builders expect, from plot reservation to getting the keys we are here to advise and support.
Transfer of Equity
There are many reasons you might need support and advice when the property already has a mortgage. Most common are
Divorce or separation - One partner may want to remove their name from the mortgage and property title after the relationship ends.​
New Relationships - Adding a new partner to the mortgage and property title.
Whatever the reason we can explore affordability options with different lenders and recommend the best mortgage deal along with supporting you through the legal process.