With the specialist lending market set to rise 70% in the next 5 years, it is crucial that brokers diversify their offerings in a world of unique demands from today’s borrowers. If you have clients with adverse credit, complex structures or are struggling with increasing affordability pressure from big-name banks, we’re here to help. We like to say a crystal-clear YES, when others say no.

Finding it overwhelming securing the right finance for your clients? In this short guide, we’ll dive into the different types of specialist finance and the different scenarios for each one as we aim to make the complex, simple.

Bridging Finance

A short-term loan (1-12 months), allowing your client to access funds whilst waiting on cash elsewhere. Bridging finance is secured against an existing property or asset(s).

Bridging Scenarios

• Auction purchases

• Chain break bridging

• Renovation bridging

• Landlords/Buy to let investors

• Downsizing

• Development bridging

• Below market value purchase

Buy-to-Let Mortgages

Buy-to-let mortgages are the most suitable option if your client is buying a property as an investment, rather than getting a mortgage for somewhere they want to live themselves.

Buy-to-Let Scenarios

• House in Multiple Occupation (HMOs)/Multi Unit Blocks (MUBs)

• Mixed portfolios

• First time landlords

• Transfers from personal to limited company

• Student let properties

Commercial Finance

Commercial finance is used to support business activity and expenditure, based on shorter terms than residential mortgages due to the high risk involved.

Commercial Scenarios

• Invoice financing

• Equipment financing

• Inventory financing

Development Finance

Appropriate for when your clients want to grow their business from the ground up, development finance is used to fund building, repurposing or refurbishment projects.

Development Scenarios

• First time developers through to professional builders

• Commercial/residential conversions

• Group up projects

• Land with/without planning

• Exit finance

Second Charge Mortgages

If your client is a homeowner looking to raise extra capital, a second charge mortgage is for them. It’s a loan taken out on their property, using equity as security whilst an existing mortgage is in place.

Second Charge Scenarios

• Debt consolidation

• Home improvements

• School/university fees

• Tax bills

• Luxury purchases

Specialist Residential Mortgages

A large loan taken out for a non-standard property purchase, with interest repayment terms last between 25-35 years.

Specialist Residential Scenarios

• Self-employed

• Non-standard construction

• Adverse credit

• Affordable housing schemes

• First time buyers

We know that sourcing specialist mortgages from traditional lenders for those who fall into the above scenarios can be extremely difficult, as lender criteria’s tighten. At Crystal Specialist Finance, we pride ourselves on finding the best solution for you and your clients. If you have a deal that you’re struggling to get over the line, we’d love to hear from you. Call us on 01827 337710 or enquire for a quote today through our CrystalHUB and track your case updates in real-time.

 The clear choice for making the complex simple.