MOVA / Specialist Mortgage Advice
Specialist mortgage advice
Complex income, credit, property or borrowing plans? Find the right route and understand what needs closer review.
30-minute initial phone call · No cost · No pressure to proceed
- Understand the unusual details
- Identify the right service
- Explain the evidence and process
Specialist mortgage lenders
- Kensington
- Pepper Money
- Bluestone Mortgages
- Aldermore Mortgages
- The Mortgage Lender
- Vida Home Loans
- United Trust Bank
- West One
- Together
- Foundation Homeloans
- Precise Mortgages
- Harpenden Building Society
- Mansfield Building Society
- Market Harborough
- Family Building Society
Find the right conversation
What makes your mortgage less straightforward?
Choose the situation closest to yours. If several apply, Steven will consider them together.
Your income is less conventional
Company profits, contracts, freelance work or CIS income.
Explore this service →Your credit history needs context
Previous missed payments, defaults, CCJs or a declined application.
Explore this service →Your borrowing is substantial
Larger loans, several income streams or international circumstances.
Explore this service →Your family is helping
Gifted deposits, family support or joint borrowing arrangements.
Explore this service →You want to borrow more
Compare a further advance, remortgage and second-charge borrowing.
Explore this service →The property or project is unusual
An HMO, mixed-use property, refurbishment or short-term funding need.
Explore this service →Tell us about the property, income or timing that needs a closer look. We will explain whether MOVA can advise directly or an appropriate specialist introduction is needed.
Talk it through →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
Your questions, answered
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 the detail of your case.
Tell Steven what makes your situation different and what you want to achieve. An initial conversation can clarify the evidence and lender questions to explore.
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.
