Specialist Mortgages
- Expert Advice for Complex or Non-Standard Mortgage Needs
- Access to Lenders Who Consider Unique Circumstances
- Personalised Support to Find the Right Solution for You
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Sometimes, a standard mortgage just isn’t enough. At L & K Financial Ltd, we specialise in finding solutions for clients with unique circumstances. Our expertise spans a wide range of specialist mortgage options, ensuring you get the right deal for your needs.
Joint Borrower Sole Proprietor (JBSP) Mortgages
A Joint Borrower Sole Proprietor (JBSP) mortgage allows a family member, often a parent, to help a borrower secure a mortgage without being financially responsible for the loan. This can help first-time buyers or those with limited income access a mortgage. We guide you through eligibility and ensure the arrangement is clear and suitable for all parties.
Retirement Interest-Only (RIO) Mortgages
Retirement Interest-Only mortgages are designed for homeowners aged 55 and over, allowing you to pay only the interest each month while retaining full ownership of your property. The capital is typically repaid when the property is sold or passed to your estate. We help you understand whether a RIO mortgage fits your retirement plans and long-term finances.
Right to Buy Mortgages
If you’re a council or housing association tenant, a Right to Buy mortgage allows you to purchase your home at a discounted price. We can guide you through the application process, help with affordability checks, and find lenders that support Right to Buy purchases.
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Shared Ownership Mortgages
Shared Ownership mortgages are for those who want to buy a share of a property (usually 25–75%) and pay rent on the remaining share. These mortgages make home ownership more accessible and flexible. We explain how shared ownership works and find lenders experienced in this type of mortgage.
Impaired Credit Mortgages
If you’ve had impaired credit in the past, such as defaults, missed payments, or County Court Judgments (CCJs), securing a mortgage can be challenging. We work with lenders who consider your circumstances and provide guidance to help you rebuild your credit and access the most suitable deals.
Bridging Finance
Bridging finance is a short-term loan designed to “bridge” a gap, such as when buying a property before selling your existing one or securing a fast purchase. Bridging loans are flexible but require careful planning. We help you understand the costs, options, and whether bridging finance is the right solution for your situation.