Alternative finance

Self-employed borrowers and business owners the banks find hard to read: mortgage arrears, past defaults, bankruptcy history, or income that does not fit a template. Credit impairment should not be the end of the conversation.

Every bank has its own policies and criteria, and a no from one is not a no from the market. We take a solutions-based approach: we assess your circumstances properly, then take your case to specialist and private lenders who tailor loans around flexibility rather than formulas.

You deal with us, not a dozen credit departments. We put the application forward the right way the first time.

Specialist lending is priced above bank rates. We treat it as a bridge, not a destination, and plan the path back to mainstream refinancing as your position recovers.