Specialist Residential Mortgages & Buy to Let

Thistle understands the complexities of specialist residential and Buy to Let mortgage lending. The process can be labour intensive and we aim to ensure that the journey, for our introducer and their client, is complication free and dealt with professionally.

Specialist residential mortgages cater for clients that are unable to access mortgages from high street lenders.

This can happen for a variety of reasons including:

  • Adverse credit events
  • Low credit score
  • First time buyers
  • Self – employed clients with limited trading accounts
  • Contractors
  • A host of other client situations

Buy to Let mortgages also require expert handling, depending on the client’s circumstances.

Thistle can assist by accessing an extensive specialist lender panel, compiled to offer your clients the best options for success. Thistle has access to distributor only, restricted access and exclusive products, many of which will not appear on mortgage sourcing platforms.

As a Directly Authorised business, Thistle will act on a transactional basis, offering an advised sale on any mortgage product we source.  We also understand that introducers may wish to remain client facing and, in these circumstances, Thistle is happy to provide a non-advised service, acting as the conduit to agency only lenders.

Unlike other master brokers, we do not differentiate on an advised or non-advised sale and pay the same level of procuration fees to our introducers, whichever option they choose.

Thistle’s lender panel incorporates market leading rates with both fixed and variable options, Capital and Interest and Interest Only products.

Do not dismiss a case because the high street can’t help your clients, call Thistle on 0131 285 4778 where our fully qualified advisers will be happy to discuss your client’s enquiry.

Specialist Residential Mortgages

We can assist in placing applications for the following client profiles:

  • Self-employed 1 year trading accounts/SA302
  • Credit impaired
  • Contractor mortgages
  • Non-standard property construction types
  • New build properties
  • Lending into retirement
  • Foreign nationals and ex-patriots
  • Complex income streams including benefit payments
  • Gifted deposits

Residential Buy to Let Mortgages

We can assist in placing applications for the following:

  • BTL (Buy to Let) purchase
  • BTL re-mortgage including capital release
  • BTL portfolio restructuring including transfers to Specialist Property Vehicles
  • HMO mortgages (Homes in multiple occupancy)
  • Consent to Let/Let to Buy
  • Products with no minimum client income requirements

How we can help

Thistle Finance are dedicated to finding a solution for your client. Our lending panel allows us to find solutions, even where the high street is unable to help.

Thistle’s lender panel incorporates market leading rates with both fixed and variable options, Capital and Interest and Interest Only products with up to 95% LTV (Loan to Value) across England, Scotland and Wales.

Specialist Residential Mortgages & Buy to Let Overview

For Specialist Residential mortgages and Buy to Let mortgages Thistle Finance has the knowledge and expertise to help, no matter your client’s circumstances. With up to 95% LTV owner occupier (Loan to Value) 85% LTV Buy to Let, across England, Scotland and Wales. Thistle’s lender panel incorporates market leading rates with both fixed and variable options, Capital and Interest and Interest Only products.