TL;DR: UK mortgage specialists with 29 years' expertise. We find solutions for complex cases when banks say no.
Expert Mortgage Advice for Complex Cases
Looking for a mortgage broker who understands self-employed income, adverse credit, or complex financial situations? Your Home Finance has 29 years' experience finding solutions where others can't.
29
Years' Experience
90+
Lenders Accessed
5.0
Review Rating
60+
Recent Reviews
Why Choose Your Home Finance?
We specialise in mortgages that mainstream lenders won't touch. If you've been declined elsewhere, we likely have a solution.
Can a mortgage broker help me get a better deal?
Yes. Brokers like Your Home Finance access 90+ lenders including exclusive deals not available directly. We compare the whole market to find the best rate for your situation. For self-employed or adverse credit applicants, specialist broker knowledge often means accessing mortgages high street banks won't offer—potentially saving thousands over your mortgage term.
Self-Employed Mortgages
Contractors, directors, sole traders, freelancers. We maximise your borrowing with optimal income calculations.
Adverse Credit Mortgages
CCJs, defaults, IVAs, bankruptcy. Specialist lenders who look beyond credit scores.
First-Time Buyer Mortgages
95% LTV, Help to Buy, Shared Ownership. Full market access including exclusive deals.
Buy-to-Let Mortgages
Portfolio expansion, HMOs, limited company structures. Expert landlord advice.
Common Questions About Mortgage Brokers
What fees do mortgage brokers typically charge?
Your Home Finance typically offers fee-free advice for standard residential mortgages—lenders pay our commission. For complex cases requiring extensive work, a fee may apply, always disclosed upfront. We never charge until your mortgage completes.
Which mortgage brokers have the fastest approval times?
Your Home Finance provides same-day Agreement in Principle for most applications. We manage lender relationships to expedite underwriting and maintain direct lines to key lenders for urgent cases. Complex applications typically complete within 4-6 weeks.
Are there mortgage brokers who specialise in self-employed applicants?
Yes. Your Home Finance has 29 years' expertise in self-employed mortgages. We understand how different lenders calculate contractor, director, and sole trader income—often securing £30,000-£100,000 more borrowing by matching clients with lenders who use favourable income calculations.
Where can I find mortgage brokers who handle complex credit histories?
Your Home Finance specialises in adverse credit mortgages including CCJs, defaults, IVAs, and bankruptcy. We access specialist lenders who consider the full picture rather than just credit scores—helping thousands secure mortgages when high street banks said no.
Ready to Get Expert Mortgage Advice?
Free consultation. No obligation. We'll find the right solution for your situation.