Specialist Mortgages

As part of our tailored service, we can access mortgages designed for individuals with circumstances that some lenders consider to be a little more complex.

We can also find preferential mortgages for individuals with professional backgrounds.

The following are just some of the more diverse mortgages we can offer you access to:

Self-employed / Contractor Mortgages

If you are a contractor, self-employed or perhaps combine a part-time job with self-employed/contractor work, then Bower could help you to access those mortgages designed specifically for you.

Have less than two years’ accounts? Then we’ll search for a mortgage with a lender that offers a more flexible application process, or will look at your case on its individual merits so may be more lenient.

Professional Mortgages

Did you know there are mortgages available for those aged 21 or over who are a fully qualified, practicing and registered accountant, actuary, barrister, dentist, engineer, medical doctor, optometrist, pharmacist, solicitor, teacher or a vet?

And you could borrow up to 90% of the purchase price.

Self-Build Mortgages

If you’re planning on building your own dream home, then a standard mortgage will not be suitable. Instead, you will need to apply for a specialist self-build mortgage.

The biggest difference between the two is that with the latter the funds are given to you in stages rather than as a single lump sum. This is to reduce the lender’s risk and ensure that the money is spent as planned (and so you don’t run out of cash when you’re only half way through the project!).

Just get in touch with the mortgage experts at Bower to find out more and see how we can help get the right mortgage for you