MOVA / Specialist Mortgage Advice
Specialist mortgage advice.
When there’s more to explain.
Unusual income, a complex property or a situation that does not fit a standard application: talk through the detail before deciding your next move.
Initial conversation at no cost · No pressure to proceed
Start with what matters to you.
You do not need to choose a product before getting in touch. Bring your plans and your questions; Steven will help you understand the next step.
Three things to clarify
What makes your mortgage case complex?
The circumstances
Separate what makes the case unusual from the information every lender will need.
The evidence
Identify which documents could explain the income, deposit, property or credit position.
The realistic options
Understand whether a route needs further work, specialist assessment or more time.
A case can be complex for different reasons.
You may have several income sources, a recent employment change, family help with a deposit or an unusual property. Start with what you are trying to achieve and what has made the application difficult so far. Steven can then focus the conversation on the right questions.
- Variable or multiple income sources.
- Self-employment, contracting or company-director income.
- A property or ownership arrangement requiring closer review.
Specialist does not mean automatic approval.
A different lending approach still involves eligibility, affordability, credit and property checks. It may also involve different costs or conditions. Any option needs to be understood in the context of your plans; an available mortgage is not automatically a suitable one.
Let the detail guide the route.
Some enquiries sit across residential, buy-to-let and commercial lending. Tell Steven who will own and occupy the property, how it will be used and whether work is planned. That helps establish which kind of conversation is appropriate before an application is considered.
Your questions, answered
Clearer on the detail.
Ready for the next step.
Have a question that is specific to you?
What counts as a specialist case?
There is no single definition. Income, credit, property use, ownership or timing can all make an enquiry less straightforward.
Can I enquire after a lender has said no?
Yes. Bring the reason you were given if you have it. MOVA will not promise that another lender will agree.
Do I need all the documents before calling?
No. Start with an outline. Steven can explain what information would make the next discussion more useful.
A practical next step
Talk through your plans
with Steven.
An initial conversation can help you understand where to start and what information may be needed next.
Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The amount will depend on your circumstances and will be explained and agreed before you choose to proceed.