Specialist Mortgages

At Nicholas James, our goal is to improve financial inclusion by working with specialist lenders to help clients who might not have been able to secure funding previously.

Remedial Lending

We are committed to supporting clients who are struggling with poor credit history. We work with lenders who have a track record of making sensible lending decisions based upon individual circumstances and not solely on a credit score.   

Higher Income Multiples

We work with lenders who value the story behind our client’s numbers. By offering a more human approach to underwriting we match our clients with lenders who value the reality of ‘people making decisions about people’ to achieve a more flexible outcome. With income multiples available in excess of 5 times earnings, we really can help our clients achieve their home buying dream.

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Non-Standard Income 

We work with lenders that understand the complexities involved with non-standard income and can consider:

  • Self-employed – with only 1 year finalised accounts 
  • Day Rate contractors
  • Variable income
  • Limited Company Directors – Using the company profit and salary as opposed to drawings from the business

Borrowing for Expats & Foreign Nationals

As a whole of market advisory firm, we can source borrowing for both Expats and foreign nationals looking to purchase or remortgage in the UK.  Our team have access to lenders not available on the high street that can consider complex income structures and are willing to accept mortgages paid from overseas income or in foreign currency.

As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments.