Mortgages
With so many Mortgage lenders out there, we assist by keeping your borrowing costs down and chasing through your application to completion.
Read more about Bad Credit Bridging Loans | Adverse Credit AcceptedBad Credit Bridging Loans | Adverse Credit Accepted
Bad credit bridging loans: why lenders focus on security and exit, CCJs, defaults, arrears, bankruptcy, repossession risk and planning the exit.
Bridging Loan Agreement in Principle | Process & Criteria
Bridging loan agreement in principle: what it is, what you need, lender criteria, and the steps and timescales from enquiry to completion.
Bridging Loan for a Self-Build | Plot Purchase & Gaps
Self-build bridging loans: buying a plot fast, building while living in your old home, finishing a stalled build, and the exit to a self-build mortgage.
Bridging Loan for an MUFB | Multi-Unit Freehold Blocks
Bridging loans for MUFBs: buying or refurbishing multi-unit freehold blocks, block vs unit valuations, title splits and the exit to an MUFB mortgage.
Bridging Loans for Barn Conversions | Class Q & Planning
Bridging finance for barn conversions: buying barns with Class Q or planning, structural risk, non-residential stamp duty, and exits to self-build or sale.
Bridging Loans for Flipping Houses | Buy, Refurb, Sell
Short-term loans for flipping houses: funding purchase and refurbishment, the true profit after stamp duty and finance, tax on flips and resale rules.
Bridging Loans for HMOs | Buy, Convert & Refinance
Bridging finance for HMOs: buying and converting to an HMO, licensing and Article 4, room sizes, bricks-and-mortar vs investment valuation, and the exit.
Bridging Loans: How Much Can I Borrow? | Gross vs Net
How much can you borrow on a bridging loan? Loan-to-value by security, gross vs net advance, retained interest, extra security and the exit test.
Buy to Let Mortgages vs Bridging Loans | Which to Use
Buy to let mortgages vs bridging loans: speed, cost, property condition, assessment and exits — when each fits, and how bridge-to-let combines them.
Can a Bridging Loan Affect a Mortgage Application?
Can a bridging loan affect your mortgage application? Credit searches and reporting, disclosure, affordability while the bridge runs, and the exit.
Country House Mortgages | Land, Listed & Rural Homes
Country house mortgages: acreage limits, outbuildings, equestrian use, listed buildings, private drainage and water, occupancy conditions, stamp duty.
Divorce Settlement Bridging Loans | Buy Out or Settle Fast
Divorce settlement bridging loans: buy out a former partner, fund a settlement before a sale or remortgage, court orders, regulated bridging and exits.
Mortgages for Celebrities | Discreet High-Value Lending
Mortgages for celebrities, athletes and public figures: irregular and overseas income, short careers, high-net-worth rules, privacy and discreet handling.
Part and Part Mortgages | Repayment & Interest-Only Split
Part and part mortgages: splitting a loan between repayment and interest-only, acceptable repayment strategies, equity rules and what you owe at the end.
Prime Postcode Mortgages | High-Value Home Lending
Prime postcode mortgages: large loans on high-value homes in prime London and beyond: valuation, interest-only, private banks, overseas buyers, stamp duty.
Bad Credit Buy to Let Mortgages, Defaults, CCJs and Arrears
Bad credit buy to let mortgages: how defaults, CCJs, missed payments and insolvency change the lender, deposit and rate for personal and company landlords.
Concessionary Purchase Mortgages, Gifted Equity as a Deposit
Concessionary purchase mortgages for buying from family, your landlord or employer below market value: the discount as your deposit, Right to Buy and the tax.
Debt Consolidation Mortgages, Remortgage to Clear Debts
Debt consolidation mortgages: remortgage, further advance or second charge to clear debts, lower payments against more interest, risks and alternatives.
First Time Buyer Mortgages Scotland, LBTT, LIFT and Deposits
First-time buyer mortgages in Scotland: 5% deposits, the Home Report and offers over, LBTT relief to £175,000, LIFT and the First Homes Fund.
First Time Landlord Mortgages, Your First Buy to Let
First time landlord mortgages: how the rental stress test sets your loan, why your tax band matters, stamp duty, company ownership and the Renters' Rights Act.
Gifted Deposit Mortgages, Gift Letters and Inheritance Tax
Gifted deposit mortgages: who can give, the gift letter and source-of-funds checks, occupier waivers, and the giver's inheritance tax and the seven-year rule.
Hotel Bridging Loans, Auction and Refurbishment Finance
Hotel bridging loans to buy, refurbish or convert a hotel: trading and vacant possession values, auction timetables and the exit to a hotel mortgage.
Limited Company Director Mortgages, Dividends and Net Profit
Mortgages for limited company directors: salary and dividends or share of net profit, retained profit, accountant's certificates and the 2026 dividend tax rise.
Low Credit Score Mortgages, What Lenders Really See
Low credit score mortgages: why lenders look past the agency score, thin files, credit use, the electoral roll and searches, and what to fix before applying.
Mortgage Declined After Application, Reasons and Next Steps
Mortgage declined after application: the credit scoring, affordability, document, valuation and property reasons, protecting your credit file and reapplying.
Mortgage Declined After Exchange, When an Offer Is Withdrawn
Mortgage declined after exchange: why offers are withdrawn, the notice to complete and your deposit, replacement lenders and bridging to complete on time.
Mortgage Declined at Underwriting, What Underwriters Check
Mortgage declined at underwriting: what underwriters check, income and bank statement findings, undisclosed debts, policy fit and how to reapply.
Mortgage Declined on Affordability, Why Lenders Differ
Mortgage declined on affordability: how lenders calculate it, stress rates and income multiples, commitments and childcare, and what changes the answer.
Mortgage Declined on Valuation, Down and Nil Valuations
Mortgage declined on valuation: down valuations, nil valuations and retentions, and when to renegotiate, add cash, challenge the valuation or change lender.
Mortgage for a Flat Above a Shop, Takeaways and Buy to Let
Mortgages for a flat above a shop: why lenders are cautious, takeaways and access, buy to let, and buying the whole building at mixed use stamp duty rates.
Mortgages After Bankruptcy, Discharged Bankrupts and DROs
Mortgages after bankruptcy: how time since discharge widens lender choice, the six-year credit record, the trustee and your home, DROs and sequestration.
Mortgages With Decreasing Profits, Self-Employed Income Falls
Mortgages with decreasing profits: why lenders often use the lower year, how to explain a one-off fall, current trading evidence, add-backs and remortgages.
Mortgages in Northern Ireland, Calculator and Co-Ownership
Mortgages in Northern Ireland: comparing rates, a calculator for borrowing and Stamp Duty, Co-Ownership up to £215,000 or £230,000 new build, and buy to let.
Mortgages in Scotland, Home Reports, LBTT and ADS Calculator
Getting a mortgage in Scotland: Home Report valuations, offers over, missives, LBTT and the 8% ADS, letting under Scottish law, and a calculator for the tax.
One Year Self-Employed Mortgages, 1 Year's Accounts
One year self-employed mortgages: lenders that accept one year's accounts, part-year first tax returns, new directors and contractors, and when to wait.
Partnership Mortgages, Partners and LLP Members
Partnership mortgages for partners and LLP members: your share of profit, not drawings, changed ratios, newly promoted equity partners and salaried members.
Re-Bridging Loans, What Is Re-Bridging and Bridging Extensions
Re-bridging loans: refinancing one bridge with another, how it compares with an extension, the costs, what a new lender checks and how the loan to value rises.
Regulated Buy to Let Mortgages, Family and Consumer Buy to Let
Regulated buy to let: letting to family assessed on your income, consumer buy to let for accidental landlords, and how both differ from business buy to let.
Release Equity From Your Home, Remortgage and Equity Release
Releasing equity from your home: remortgage, further advance, second charge, lifetime mortgage or home reversion, and the effect on inheritance and benefits.
Remortgage After a Bridging Loan, Exits and the Six-Month Rule
Remortgaging after a bridging loan: the exit routes, the six-month rule and day-one lenders, valuing the finished property and the rent test on a bridge to let.
Remortgage for Business Purposes, Capital for Your Business
Remortgage for business purposes: lenders that allow it, investing in your company, partnerships, tax bills, second charge business loans and alternatives.
Remortgage for Home Improvements, Extensions and Lofts
Remortgage for home improvements: remortgage, further advance, second charge or personal loan, why lenders use today's value, and planning and building rules.
Remortgage to Buy a Second Property, Buy to Let or Second Home
Remortgaging to buy a second property: releasing equity for a buy to let, second home or holiday let, how both loans are assessed, stamp duty and the risks.
Remortgage with Bad Credit, Product Transfer or Switch
Remortgage with bad credit: product transfers that may need no new affordability check, the Mortgage Charter, specialist lenders, arrears, CCJs and defaults.
Retained Profits Mortgages, Director Cash and Reserves Checks
Retained profits mortgages for company directors: salary plus share of net profit, and the cash, reserves and director's loan account checks lenders make.
SSAS and SIPP Mortgages, Pension Commercial Property Loans
SSAS and SIPP mortgages: buying commercial property through your pension, the 50% borrowing limit, the residential property rules, loanbacks and IHT from 2027.
Section 106 Mortgages, Discounted and Restricted Homes
Section 106 mortgages: discounted market sale, First Homes and local connection homes, the mortgagee in possession clause, valuation and resale.
Self-Employed Mortgages, Sole Traders, Directors and CIS
Self-employed mortgages for sole traders, partners, directors, contractors and CIS workers: how lenders read each income, the documents and one year's accounts.
Sole Trader Mortgages, Net Profit, SA302s and Lender Methods
Sole trader mortgages: how lenders read net profit on the latest year, an average or the lower year, with SA302s, Making Tax Digital and one-year accounts.
CCJ Mortgages, Satisfied and Unsatisfied CCJs
Getting a mortgage with a CCJ: which lenders accept one, how a judgment's date, amount and status count, the deposit needed and the six-year register.
IVA Mortgages, Getting a Mortgage With or After an IVA
IVA mortgages: how lenders assess a mortgage during or after an IVA, the six-year credit file clock, and the 2025 IVA Protocol rules for homeowners.
Japanese Knotweed Mortgages, RICS Categories and Lender Rules
Japanese knotweed mortgages: RICS categories A to D, the survey, management plan and insurance-backed guarantee lenders ask for, and buying or selling a home.
Low Income Mortgages, Benefits, Schemes and Borrowing
How to get a mortgage on a low income: what a modest salary can borrow, which benefits lenders count, and how schemes, longer terms and family help stretch it.
Mortgages for Teachers, ECTs, Supply Pay and Student Loans
Mortgages for teachers in the UK: professional income multiples, ECTs on an offer letter, supply and term-time pay, and how a student loan affects borrowing.
Mortgages with Defaults, Lender Tiers and Secured Defaults
Mortgages with defaults: which lenders accept them, how date, value and settled status set the tier, and why a default on a mortgage counts for more.
Mortgages with Missed Payments, Late Payments and Arrears
Mortgages with missed payments: how lenders weigh late payments by number, age and account, mortgage arrears, arrangements to pay, Breathing Space and timing.
Probate Loans, Executor Loans and Inheritance Advances
Probate loans: executor loans for Inheritance Tax before the grant, inheritance advances, bridging on inherited property, and the HMRC routes to try first.
Single Person Mortgages, Buying Alone and Applying Alone
Single person mortgages: how much one income can borrow, buying alone, applying alone when married, joint mortgages on one income and joint to sole transfers.
Read more about Converted MUFB HMO MortgagesConverted MUFB HMO Mortgages
Mortgages for converted blocks of flats under HMO licensing on a single utility supply: why lenders underwrite them as HMOs, section 257, LTVs, valuation and criteria.
Read more about BMV Mortgages, Buying Below Market ValueBMV Mortgages, Buying Below Market Value
How lenders treat a genuine below market value purchase: family and landlord sales, Right to Buy, valuation and legal checks, bridging exits and remortgaging.
Non-Standard Construction Mortgages
Non-standard construction mortgages: how lenders and valuers assess PRC, BISF, Cornish, timber frame, Colt, thatch, spray foam and modern methods of construction.
85% LTV Mortgages
85% LTV mortgages: 15% deposit residential lending, 85% buy to let (the highest landlord leverage we see) and the rent it needs, and mortgages to age 85.
90% LTV Mortgages
90% LTV mortgages: 10% deposit residential lending, rates by tier, flats, new builds and remortgages at 90%, and the answer on 90% buy to let.
95% Mortgages
95 percent mortgages for first-time buyers and movers: the permanent Mortgage Guarantee Scheme, lenders and criteria at 95% LTV, new builds and bad credit.
CIS Mortgages, Construction Industry Scheme
How lenders assess CIS subcontractors for a mortgage: time in CIS, months of evidence, gross or net income, and limited company, partnership and gross payment status cases.
Campsite Mortgage
Campsite mortgages for touring sites, holiday parks and glamping: how lenders value trading sites, licence and planning rules, and the regulated boundary.
Commercial Mortgage for Boarding Kennels
Commercial mortgages for boarding kennels and catteries: how lenders value licensed businesses, star-rated licences, planning and the regulated boundary.
Contractor Mortgages
Contractor mortgages where the lender can assess your contract instead of two years of accounts: day-rate annualisation, umbrella pay and IR35, and how contractor-friendly lenders differ.
Equestrian Land Mortgage
Equestrian land mortgages for homes with stables, livery yards, riding schools and paddocks: planning use, component valuation and the regulated boundary.
Family Help Mortgages
Family help mortgages compared: springboard and family boost (savings as security), family offset, gifted deposits, JBSP and guarantors, with an example.
Fixed Term Contract Mortgage
Can you get a mortgage on a fixed term contract? Yes, where the time left or a history of renewals supports it. How lenders assess teachers, NHS staff, researchers and more.
Fixed Term Mortgages
Fixed term mortgages from one to forty years: how fixed rates are priced, why a five-year fix can let you borrow more, porting when you move, and the end of the term.
Help to Buy Mortgages
Help to Buy in 2026: options for existing equity loans, current Help to Buy Wales purchases, Forces Help to Buy and other low-deposit mortgages.
IT Contractor Mortgages
IT contractor mortgages: how lenders read day rates, umbrella and limited company pay, IR35, first contracts, renewals, gaps and overseas clients.
Interest Only Residential Mortgages
Interest only residential mortgages: the repayment strategy lenders require, equity and income criteria, part-and-part, offsets and retirement options.
JBSP Mortgages, Joint Borrower Sole Proprietor
JBSP mortgages explained: family income on the loan, not the title. How affordability, term and stamp duty work, which lenders offer it, and the exit.
Mortgage for a Leasehold Flat
Mortgage for a leasehold flat in England and Wales: how lease length limits your term, how lenders treat ground rent, the law, lease extensions, bridging and buy to let.
Mortgage on an Ex-Council Flat
How lenders assess a mortgage on an ex-council flat: the block's ownership mix, high rise, lifts, deck access, EWS1, plus the buy to let tenant types lenders consider.
Offset Mortgages
Offset mortgages explained: savings set against the balance, interest charged on the difference, interest-only offsets, providers and the break-even.
Revolving Credit Mortgage, Property Revolving Credit Facility
Revolving credit mortgages and property revolving credit facilities: how bridging and commercial facilities are drawn, repaid and redrawn, and what they cost.
Shared Ownership Mortgages
Shared ownership mortgages: mortgage on the share, rent on the rest, deposits, staircasing, lenders and bad credit, with the total monthly cost worked.
Tracker Mortgages
Tracker mortgages explained: Bank Rate plus a fixed margin, two-year, five-year and lifetime trackers, collars, switch-to-fix options and tracker vs fixed.
Variable Rate Mortgages
Variable rate mortgages explained: standard variable, discounted variable, tracker and capped rates, with tracker vs variable and fixed vs variable compared.
Read more about Bridging LoansBridging Loans
Explore bridging loan solutions for land and property, assisting homeowners and business owners with short-term funding, regulated and unregulated.
Read more about Commercial MortgagesCommercial Mortgages
We offer mortgage solutions for commercial properties. We can assist all commercial property types for investment and owner occupation.
HMO Mortgages
Find our more about House of Multiple Occupancy (HMO) Mortgages, including product options, eligibility and valuation methods used.
Read more about Holiday Let MortgagesHoliday Let Mortgages
We assist borrowers with holiday let mortgages with buy to let and commercial lenders, with access to flexible criteria.
Read more about Hotel MortgagesHotel Mortgages
Hotel mortgages for operators and investors: up to 75% loan to value on the cases we arrange, going-concern valuations, trading accounts and terms of 15 to 40 years.
Read more about Let to Buy MortgagesLet to Buy Mortgages
We assist borrowers looking to rent out their current home, to purchase a new one with a mortgage. Explore let to buy mortgages with us!
Read more about Refurbishment LoansRefurbishment Loans
Explore refurbishment loans of up to 100% LTV, we work with short term lenders that provide funding to both the purchase and refurbishment.
Read more about Social Housing MortgageSocial Housing Mortgage
We assist borrowers with social housing mortgages for all types of support and care, on property leased to housing associations, councils, charities and government contractors. The use classes suitable for a scheme depend on the support and care provided, and may include C3, C3(b), C2 or C4.
Read more about Bridge to Let MortgageBridge to Let Mortgage
Considering a bridge-to-let mortgage? Learn how bridging finance helps you buy, renovate and refinance a property onto a buy-to-let mortgage.
Read more about Buy to Let MortgagesBuy to Let Mortgages
We assist borrowers with market leading buy to let mortgages and can assist on complex property and tenant types.
Read more about Residential MortgagesResidential Mortgages
Explore residential property mortgage options for first-time buyers, home movers and homeowners remortgaging. Compare the criteria lenders use to assess a residential property loan.
Read more about Alternatives to bridging loansAlternatives to bridging loans
We assist homebuyers and investors with bridging loan alternatives, these alternative are also suitable for auction purchases!
Read more about Bridging Loans for AuctionBridging Loans for Auction
We assist borrowers with the best auction finance products on the market as well as super quick processing speeds!
Read more about Business Bridging LoansBusiness Bridging Loans
Bridging loans for businesses as quick as 2 days. Learn about bridging loans up to 85% Loan to Value used for acquisition or refinancing.
Development Exit Finance
Developer exit finance as quick as 14 days! Get 75% Loan to Value on your finished development with Mortgage Lane.
Land Bridging Loans
We assist personal and investment borrowers with land bridging loans for all types of land, suitable for auctions with fast completions!
MUFB Mortgages
We are MUFB mortgage specialists, for all MUFB types including blocks of flats and semi commercial property types.
Mezzanine Finance
Mezzanine Development Finance, supporting both seasoned investors and newcomers in various development projects.
Portfolio Mortgages, Portfolio Landlord Rules and Stress Tests
Portfolio mortgages for landlords with four or more mortgaged buy to lets: whole portfolio underwriting, background stress tests, schedules and refinancing.
Right to Buy Mortgages
We assist borrowers in England with Right to Buy mortgage advice, helping you find products from lenders whose criteria fit your case. We cover how lenders treat the discount, their limits against market value, adverse credit and joint borrower sole proprietor applications.
Self Build Mortgages
Explore self build mortgage options for borrowers building their own home, including custom builds and barn conversions.
Semi Commercial Mortgages
We provide Semi Commercial mortgage solutions for business owners and investors, including high street and leisure mixed use properties.
Nothing here matches that. Try fewer words.
Explore mortgage guides and insights
Buy to Let Mortgage Guide
The complete buy to let guide: ICR stress testing with worked examples, limited company vs personal ownership, portfolio rules, valuations, tax mechanics, and every specialist scenario linked.
Mortgages for Foreign Nationals: detailed guide
Detailed explanations and criteria for Mortgages for Foreign Nationals.
Declined Mortgages
Find out how Mortgage Lane can assist with your decline, by connecting you with specialist lenders that have a more relaxed lending criteria.
Talk it through with an adviser
Twenty minutes on the phone is usually enough to tell you what is realistic.