Business Details
Specialist Mortgage Solutions for Complex Lending Needs
Manor Mortgage Solutions has been a trusted partner for mortgage intermediaries for over 25 years, specialising in complex lending solutions. We provide tailored mortgage services for challenging cases, including expat clients, bridging finance, complex residential mortgages, specialist buy-to-let, and second charge mortgages. Our expertise lies in navigating adverse credit scenarios, non-standard property types, and unique income structures to secure successful outcomes.With a network of specialist lenders and a streamlined three-tier service model, we empower brokers to maximise income while minimising administrative burdens. Our team combines deep market knowledge with a commitment to transparency, ensuring clients receive competitive rates and efficient processing for even the most intricate cases.
Services
Expat Mortgages
Bridging Loans
Complex Residential
Specialist Buy-to-Let
Second Charge Mortgages
Highlights and features
- We have over 25 years of experience in specialist mortgage lending.
- Our team works with a panel of approved specialist lenders.
- We offer three flexible service tiers for broker collaboration.
- We specialise in complex cases with adverse credit or non-standard properties.
- Our process guarantees rapid response times and competitive rates.
Services
Expat Mortgages
We specialise in mortgage solutions for UK citizens and nationals living abroad. Our service accommodates time-zone differences and handles compliance complexities for clients purchasing or remortgaging property from overseas. We accept applications from most countries, require only a UK bank account for credit history, and support income in multiple currencies. Our expertise ensures successful outcomes despite varying lender criteria for expat clients.
Bridging Loans
Our bridging loan solutions provide rapid funding for urgent property transactions. We support residential, buy-to-let, and commercial properties with loan amounts from 30,000 to 15 million and terms up to 24 months. Services include auction purchases, refurbishment finance, and chain-break solutions. We offer flexible repayment options and work with clients requiring quick exit strategies for property conversions or development projects.
Complex Residential
We handle residential mortgage applications with adverse credit histories, non-standard property types, and unique income structures. Our criteria include acceptance of bankruptcy discharge cases, defaulted payments, and income from universal credit or disability allowances. We support properties with flood risk, concrete construction, or mixed-use elements, providing tailored solutions for challenging cases rejected by high-street lenders.
Specialist Buy-to-Let
Our buy-to-let mortgages cater to landlords with portfolio properties, holiday lets, and HMOs. We accept applications from first-time landlords and expats, with no maximum age restrictions. Services include portfolio stress testing exemptions, top-slicing affordability calculations, and financing for properties let to family members or inherited assets. We support both standard and semi-commercial properties across the UK.
Second Charge Mortgages
We provide second charge mortgages to help clients raise capital without redeeming their existing low-rate first charge mortgages. Our solutions support debt consolidation, home improvements, and business funding with LTV up to 85% and flexible adverse credit criteria. We offer free legals on selected products and no early repayment charges for qualifying cases, with income assessments including self-employment and multi-currency earnings.
Questions
What specialist mortgage services do you offer?
We provide expat mortgages, bridging loans, complex residential mortgages, specialist buy-to-let, and second charge mortgages for challenging cases.
How do you help mortgage brokers with difficult cases?
Our three-tier service model allows brokers to refer complex cases, outsource processing, or receive full case management with guaranteed procuration fees.
Can you assist clients with adverse credit histories?
Yes, we specialise in adverse credit cases including defaults, CCJs, IVAs, and bankruptcy discharges within our specialist lender panel criteria.
What property types do you accept?
We work with non-standard constructions, listed buildings, semi-commercial properties, flood-risk locations, and large acreage or island properties.
Do you support overseas mortgage applications?
Yes, we handle expat mortgages for UK citizens and nationals living abroad, accommodating time-zone differences and international income sources.
Reviews (4)
Stephanie Hockridge
May 02, 2022
Report
I was recommended Manor Mortgages and I cannot be happier with the service we have received from the company. From start to finish the communication was outstanding. I didn't have to chase anything up, the process was explained without asking and any queries were replied promptly. Esther, Leanne and James - thank you ever so much. We shall most certainly be using Manor Mortgages again and strongly encourages others to do so, too.
Hattie Dembo
Apr 02, 2022
Report
Manor mortgages have assisted me a couple of times over the past two years, I've spoken to the majority of the team and can say that they have consistently been very helpful, straightforward and quick to push things along. Will definitely be enlisting their services in the future and would recommend anyone to do the same!
Aria Michalopoulou
Mar 25, 2022
Report
Cannot recommend this company enough. They are extremely professional and helpful. Always there to answer questions and assist you with whatever you might need. Made the strenuous process of buying a house a very smooth and even pleasant experience. 5/5 customer service, experience and team.
David Peel
Mar 24, 2022
Report
The Team at Manor Mortgages couldn't have been better. A pleasure to deal with and there to help anytime they are needed. We felt safe in their hands and made something that is a stressful process much more relaxed! Thank you for all of your help.
