As a comprehensive specialist mortgage packager, Crystal Specialist Finance can offer you a variety of innovative products (including exclusive and semi-exclusive products) from specialist residential lenders, as well as the high street options.

We work alongside specialist lenders, who understand the complexities and circumstances that can arise for your clients during their busy lives, to offer solutions based on the merits of the individual application. We work closely with our lending partners so that we can continue to add value to you and your clients, even if they don’t fit within the rigid automated decision systems.


  • Self employed – 1 year trading
  • DMP & IVA’s accepted
  • Affordable housing schemes
  • No credit score lenders
  • Up to 4 applicants
  • Contractor mortgages
  • Lenders up to 6x income multiples
  • Semi-commercial properties accepted
  • Interest only options available
  • Pay-day loans considered
  • First-time buyers
  • Free valuations available
  • Non-standard construction


  • LTV up to 90%
  • Loans from £3,000 upwards
  • Adverse credit considered
  • Flexible income proof
  • Right to buy
  • Later Life Lending
  • Expats
  • Foreign Nationals

"We look outside of the constraints of the mainstream lenders decision process for specialist mortgages that can accommodate your clients’ situation."

Richard Bond – Head of Residential Finance


Land with residential properties

LARGE PROPERTY GROUNDS RESOLVED THROUGH SPECIALIST LENDER A broker approached us as he was struggling to place a property set in 5 acres of land. The client was clean, good income, no issues – other than the large plot on which the property sat. The land was not used for anything other than being the...

Complex made simple

A CHANGE OF HEART LEADS TO A COMPLEX SITUATION We were approached by a broker to help his client – a 67-year-old dentist living in London - who was approaching the end of the term on his residential interest-only mortgage. The original plan was for him to retire and downsize outside of London, however the...