Specialist mortgages

Whether you're self-employed, have adverse credit or need an interest-only or guarantor mortgage, learn more and see how we can help

What is a specialist mortgage?

There's no "one size fits all" mortgage, and you may require a specific mortgage type for your needs. Whether you have adverse credit, want to use a guarantor, or are looking to rent out a property, this is where specialist mortgages come in.

A specialist mortgage is a type of mortgage that's designed to cater to specific or unique circumstances that may not be accommodated by traditional mortgage products.

You may want to look at specialist mortgage options if you:

  • are renting out your property

  • have bad or adverse credit

  • are self-employed

  • are using a guarantor to help support you buying a home

Learn more in our specialist mortgage guides and see how we can help.

Specialist mortgage lenders

When you have specialised mortgage needs, you may find that not all lenders on the market can cater to you.

Fortunately, there are plenty of different types of specialist lenders available to help you get the right mortgage so you can buy your dream home.

How are specialist lenders different?

Specialist lenders can differ from high street lenders by offering:

  • less strict lending criteria

  • bespoke mortgage deals

  • tailored underwriting

  • specialised knowledge and advice

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Important info & marketing claims

You may have to pay an early repayment charge to your existing lender if you remortgage. Your savings will depend on personal circumstances.

Your home may be repossessed if you do not keep up repayments on your mortgage.

*The savings figure of £656 is based on Better.co.uk remortgage customers in April 2024. Read more on our marketing claims page.

We can't always guarantee we will be able to help you with your mortgage application depending on your credit history and circumstances.

Average mortgage decision and approval times are based on Better.co.uk's historic data for lenders we submit applications to.

Tracker rates are identified after comparing over 12,000 mortgage products from over 100 mortgage lenders.

As of January 2023, Better.co.uk has access to over 100 lenders. This number is subject to change.

For buy-to-let landlords, there's no guarantee that it will be possible to arrange continuous letting of a property, nor that rental income will be sufficient to meet the cost of the mortgage.