Specialist Mortgages
Providing clear, independent mortgage advice for complex and non-standard circumstances.
Specialist mortgage advice designed around how you really earn and borrow
Not every mortgage application fits a standard lending model. Income structure, employment type, business ownership or property complexity can all affect how lenders assess affordability and risk.
I provide mortgage advice for clients across Farnham, Surrey and Hampshire whose circumstances fall outside mainstream lending criteria. With access to specialist lenders and a deep understanding of how different lenders assess non-standard cases, my role is to help you understand what is possible and identify practical, suitable solutions.
Whether you are self-employed, a contractor, a company director or dealing with a more complex property or income structure, the focus is on clarity, flexibility and long-term suitability.
Self-Employed Mortgages
Self-employed mortgages are designed for applicants whose income may not follow a standard pattern, including sole traders and partnerships. I provide clear advice to help lenders understand your income, accounts and trading history, and guide you towards mortgage options that reflect how you actually earn.
Contractor Mortgages
Contractor mortgages require a different approach to income assessment, particularly for those working through limited companies, umbrella arrangements or short-term contracts. I provide specialist advice to help identify lenders who assess day rates, contracts and employment structures appropriately.
Director Mortgages
Mortgage advice for company directors often needs to take salary, dividends and retained profits into account. I help company directors understand how lenders assess income and identify mortgage options that fairly reflect the structure and performance of their business.
SME Owner Mortgages
Small business owners can face additional challenges when applying for a mortgage due to how income is drawn from the business. I provide mortgage advice that reflects the way your business operates, helping you explore options beyond restrictive, one-size-fits-all criteria.
Shared Ownership and Equity
Shared ownership and equity-based schemes can help buyers who need additional support getting onto the property ladder. I provide clear guidance on how these arrangements work, lender requirements and the long-term considerations involved, helping you decide whether they are right for you.
Next Time Buyer Mortgages
Next time buyer mortgages are designed for homeowners moving on from their first property. I provide mortgage advice that takes equity, affordability and timing into account, helping you plan your next move with clarity and confidence.
Frequently asked questions
What makes a mortgage “specialist”?
A specialist mortgage is typically required where income, employment or property type falls outside standard lending criteria. This may include self-employment, contracting, business ownership or more complex property arrangements.
Can you help if I have been declined elsewhere?
Yes. I often work with clients who have been declined by a lender. A decline does not necessarily mean a mortgage is not possible, but it does mean a different approach or lender may be required.
Do specialist mortgages cost more?
Not always. While some specialist products may carry higher rates, many are competitively priced. The key is finding a lender whose criteria match your circumstances rather than forcing an unsuitable application.
Will I need a larger deposit?
Deposit requirements vary depending on the lender, product and overall risk profile. I can explain what is likely to be required based on your situation.
Do I need specialist advice if my income has recently changed?
If your income has changed due to self-employment, contracting, business ownership or a new role, specialist advice can be helpful. I can explain how lenders are likely to view your situation and which options may be available.
Can you help if I have bad credit or a previous decline?
Yes. Credit issues such as missed payments, defaults or previous declines do not always mean a mortgage is impossible. I regularly help clients with less-than-perfect credit by identifying lenders who assess applications on a case-by-case basis and consider the wider financial picture.
Is the initial consultation free?
Yes. Your initial consultation is completely free of charge and there is no obligation to proceed. Any broker fee will be explained clearly in advance if you decide to move forward.
Why clients choose GP Norgate
With over 25 years’ experience, I provide clear, independent mortgage advice built on trust, knowledge and personal service.
Independent, Whole-of-Market Advice
I provide independent mortgage advice with access to a wide panel of UK lenders. With over 25 years’ experience, my recommendations are always tailored to your circumstances and are never tied to any single provider.
Expertise in Complex & Flexible Solutions
I specialise in complex and non standard cases, offering flexible mortgage solutions for self employed clients, multiple income streams, credit challenges and specialist property types.
Clear, No-Pressure Guidance
My advice is clear, jargon free and pressure free. I take the time to explain your options in plain English, so you can make confident and informed decisions.
Support from First Call to Completion
You will receive a free initial consultation and full support from application through to completion, helping ensure a smooth and stress free process at every stage.
Book a free specialist mortgage consultation
Not sure if you need specialist advice?
Some clients are unsure whether their situation requires specialist mortgage advice. If your income, employment structure or property does not fit standard lending criteria, a more tailored approach may be beneficial.
I also provide independent advice for more straightforward residential and buy to let mortgages.