Specialist Mortgages

At Vincent Burch Mortgage Services, we understand finance. With over 200 years of combined specialist experience, we’re confident we can help with whatever you’re looking for. As an independent broker, we can compare mortgages from a wide range of lenders across the whole market to find you a specialist finance quote, quickly and easily.

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Get it Right First Time

We treat every customer as an individual and you’ll get the personal attention, advice and support you deserve from one of our specialist advisers from start to finish. We understand the importance of getting your application right the first time and we’ll work with you every step of the way to make it happen.

We can help with our wide choice of lenders and competitive rates. To get a quote and find out how, call 01603 340644 or email [email protected]
What is a specialist mortgage?

Lending is typically separated into high-street mortgages or specialist mortgages. Specialist lending typically means receiving a mortgage loan from a lender who isn’t a high street bank or building society due to their unique requirements or circumstances that don’t fit high street lenders typical requirements

How do specialist mortgages differ from banks and building societies?

High-street lenders (such as your regular bank or building society) have less flexible requirements that applicants must adhere to. Specialist lenders take each case as it comes, and may be able to accept more applicants in comparison to high-street lenders.

Are specialist mortgages the same as subprime?

Subprime mortgages refer to mortgage deals which would typically fall under ‘bad credit’ or ‘poor credit’ mortgages – known as subprime because the deals are not as impressive or favourable as an optimal or ‘prime’ mortgage.

Specialist mortgages are not the same as the subprime mortgages which caused the 2008 financial crisis. These days, lenders are more tightly regulated and require a lot of information from you about your financial situation, and you can’t self-certify your own income.

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