Specialist Mortgage Advice When banks say no we still find a way
Not all mortgage applications are straightforward. That’s where we come in.
We’re not tied to any one lender — we’re a whole-of-market broker with access to high-street names and specialist lenders. That means we help people in real-life situations that banks often overlook: self-employed, low deposit, credit issues, unusual income, or complex portfolios.
You don’t need to take huge salaries or dividends to get a mortgage. We work with lenders who understand real business accounts, day rates, and short trading histories.
New to the process? Low deposit? Changing jobs? We simplify the journey — from your first question to getting the keys. Clear, human advice at every step.
Just because a bank says no doesn’t mean you’re out of options. We work with lenders who assess the full picture — not just the numbers on paper.
Buy-to-let, HMOs, SPVs, or refinancing multiple properties — we structure deals to grow with your investment goals.
Low credit score? Missed payments in the past? We partner with lenders who focus on affordability and understand that life happens.
Just moved to the UK? Working multiple jobs, or on a visa? We have lenders that are flexible with non-standard applications and alternative proof of income.
Specialist Mortgage Advice When the Banks Say No
For freelancers, directors, and those with complex income.
From single lets to large portfolios or HMOs
Low deposit? Confused by the process? We’ll guide you.
Release equity, reduce payments, or secure better rates.
Missed payments, defaults, CCJs — we’ve got lenders who listen.
Affordable home ownership options for lower budgets.
Mortgages that work around your pension or assets.
Use savings to reduce payments and keep control.
Complex income (e.g. self-employed, contract work)
Adverse credit or missed payments
It’s not just about who we know — it’s about how we present your case.
Our brokers know how to package your application in a way that gives underwriters what they want to see — increasing your chances of approval.
We understand lender policies inside out
We build tailored submissions with full supporting documents
We speak directly with underwriters — not just submit forms and wait
We’ve built strong relationships with a wide range of lenders including
Specialist lenders who don’t advertise online
Challenger banks open to complex or adverse credit cases
Contact us
18 Weeks Ago
As a contract worker, I honestly never thought I’d be able to get a decent mortgage offer from a high street bank. I was worried and unsure where to start. But thanks to Sam and his incredible team at Clark Mortgage, I’ve now secured a mortgage offer with a great interest rate—and I couldn’t be happier!
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