Common Specialist Mortgage questions.
Please contact us with your Mortgage query
Simply enter your details below for us to help you.
By submitting information through this website, you have given your agreement to receive verbal contact from us to discuss your mortgage requirements. You voluntarily choose to provide personal details to us via this website.
Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.
By submitting this data, I am consenting to the use of my data in line with our Privacy Policy
How much does a Lifetime Mortgage cost?
Fees for a Lifetime Mortgage Application can range from £1,500 to £3,000. This covers legal and valuation fees, lender’s arrangement fees, advice fees and completion fees.
What are the criteria for a Limited Company Mortgage?
A lender would require information on the income of the company, rather than an individual, making the process a little more complicated.
What is a Second Charge Mortgage?
A second charge mortgage works just like a normal mortgage. It is secured against your property and you will make monthly repayments, until the full loan and interest are paid back.
What is the maximum age for a Lifetime Mortgage?
Unlike standard mortgages, there is no maximum age for Lifetime Mortgages.
Why would you get a second mortgage?
The beauty of this type of mortgage is that you can raise funds for any legal purpose without disturbing your current mortgage.
Second Charges
Later Life Mortgages
Ex-Pat Mortgages
The Specialist Mortgage Process
Working with HB Partners
1
2
An informal introductory conversation
Your mortgage adviser will ask exploratory questions to gain an understanding of your situation. Following this, you will be shown the options available to you. Such as "How much can I borrow?".
Now that we know your circumstances, we will look for the most appropriate mortgage product to meet your needs.
Our Expert Recommendation
3
4
Discover the right Specialist Mortgage for you
Our mortgage experts will take you through the options, and only once you are happy, we will proceed to get you an agreement in principle from the lender.
Once the agreement in principle is obtained, we will submit the full mortgage application on your behalf. We manage all stages of the process and keep you updated, right up to the mortgage completion.
Full application
“Specialist Mortgages” relates to non-typical property financing in such categories as
What is 3 + 5 =
Meet our Advisers
WHAT ARE LATER LIFE MORTGAGES?
Acknowledging that the population is living for longer, the mortgage market has reacted by introducing products designed for clients to borrow beyond the age of retirement.
HOW MUCH CAN I BORROW ON A SECOND CHARGE MORTGAGE?
Depending on your credit rating, and the amount of equity in your property, you can get a loan from £1,000 up to £2,000,000, subject to affordability.
HOW DO I BECOME AN EX-PAT?
Tax rules vary by country. Usually, if the main place that you live and work in is a foreign country, then you will become an ex-pat in the eyes of your home country.
HOW LONG DOES A SECOND CHARGE MORTGAGE TAKE TO PROCESS?
The average turnaround time from your initial enquiry to completing your mortgage is three to four weeks. However, this can be achieved significantly quicker in certain circumstances.
Frequently Asked Questions
If you have a specific question, click the button below, and we will do our best to answer this for you.
With a lifetime mortgage. To understand the features and risks, ask for a personalised illustration.
Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice
An equity release plan will reduce the value of your estate, will not be suitable for everyone and may affect your entitlement to state benefit.
Second Charge
Think carefully before securing other debts against your property; your property may be repossessed if you do not keep up repayments on your mortgage
Why use us?
We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.
We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism.
We are qualified to advise you on your equity release requirements.
We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.
Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.
We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.
Your home may be repossessed if you do not keep up repayments on your mortgage
What our clients say
Mark Culham
Adviser & Co-Founder
Steve Jascourt
Adviser & Co-Founder
"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."
“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”
