Our Specialist Mortgages
Looking for a mortgage that fits your unique financial circumstances? At Jones & Young, we specialise in helping customers who donāt fit the standard lending criteria. Whether youāre self employed, have credit issues, or face a complex financial situation, our team of specialist mortgage brokers can help.
We work closely with a wide range of mortgage lenders who offer more options than just the traditional high street lenders, helping you secure a mortgage solution that matches your goals and budget.
Why Choose a Specialist Mortgage Broker?
When your financial situation is unique, finding the right lender can feel overwhelming. Thatās where Jones & Young comes in.
As experienced specialist mortgage brokers, we know exactly how to present your application in the best possible light.
As an independent mortgage broker, we have direct access to both high street lenders and specialist lenders, ensuring we find you the better deal and competitive rates that fit your needs.
Our expert brokers handle every part of the process, from reviewing your affordability and collecting documentation to liaising with lenders and securing your mortgage offer. Youāll receive clear communication, practical guidance, and excellent service from start to finish.
With our support, even complex scenarios become straightforward. We donāt just find you a mortgage, we help you secure the right mortgage for your situation.
Years Experience
Independent Advice
Specialist Mortgage Products We Can Help With
We help match borrowers with a wide range of specialist mortgage products, designed to suit every situation and stage of life. Whether youāre purchasing your first property, refinancing, or investing, our expert brokers can guide you toward the most suitable mortgage options available.
Here are just a few of the specialist mortgages we can assist with:
Running your own business shouldnāt make getting a mortgage harder. Weāll connect you with lenders who appreciate your success.
If you take income through dividends or salary, weāll show lenders the full picture of your financial strength using salary and net profits.
We specialise in helping contractors prove their real earning power, securing fair rates without the usual hassle.
If youāre paid through the CIS scheme or work contract to contract, weāll help you get the mortgage you truly deserve.
Enjoy greater freedom in later life with options that help you stay comfortable and make the most of your current home.
Considering to keep your existing home and buy another? Weāll find a mortgage that makes both goals achievable.
Whether youāre an experienced landlord or just starting out, weāll help you find the right deal for your next investment.
Past financial bumps donāt and shouldn’t define your future. Weāll guide you toward lenders who take a fairer, more flexible view.
Save money and time by linking your savings to your mortgage – a smart way to reduce interest and repay sooner.
Who Are Specialist Mortgages For?
Specialist mortgages are designed for real people with real lives, not just those who tick every box on a lenderās checklist. Theyāre ideal for anyone whose financial situation doesnāt fit the typical mould.
Here are some of the most common borrowers we help:
Self-employed borrowers
If youāre self employed, you may find it hard to prove steady income or meet traditional affordability rules. Many lenders rely heavily on tax returns or limited employment status records, which donāt always reflect your true earning potential. Thatās where a specialist mortgage broker can make all the difference, presenting your finances clearly and connecting you with specialist lenders who understand self-employment.
Contractors and freelancers
Freelancers and contractors often have fluctuating or project-based income, which can make getting a mortgage through high street lenders difficult. Our specialist mortgage lenders take a more flexible view, assessing your recent contracts and ongoing work to find a mortgage solution that works for you.
Those with credit issues
A history of missed payments or a low credit score doesnāt have to hold you back. Specialist mortgage lenders regularly work with borrowers who have credit issues or limited credit history, offering fairer terms based on your current situation rather than your past.
Complex financial situations
If you have multiple income streams, own a business, or manage a portfolio of properties, your finances may be too complex for standard lenders. Our specialist brokers help clients with unique circumstances and complex scenarios, pairing them with lenders who can assess your full financial picture, not just one snapshot.
At Jones & Young, we believe everyone deserves access to the right mortgage, no matter their background or financial setup.
To get the best mortgage out there,
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Whatever your circumstances, Jones & Young will work to find a mortgage solution that fits your goals and supports your long-term financial stability.
How Our Expert Brokers Support You
Getting a mortgage doesnāt have to feel stressful or complicated. At Jones & Young, our expert brokers guide you through every stage of the mortgage process, ensuring you feel informed and supported from start to finish. Hereās how we help:
Initial consultation and affordability review
We start with a friendly chat to understand your financial situation, goals, and affordability. This helps us identify the right mortgage options for your needs.Matching you with the right mortgage and lender
Using our network of specialist lenders and high street lenders, weāll compare offers to find the most suitable mortgage products for your circumstances, whether youāre self employed, have credit issues, or need a more flexible approach.Managing paperwork and applications
Our specialist mortgage brokers handle the documentation, liaising directly with your chosen lender to make sure everything runs smoothly.Negotiating competitive rates and flexible terms
Weāll work hard to secure competitive rates and flexible terms, so you get a better deal without unnecessary stress.
We understand that every case is unique. Thatās why our dedicated team takes pride in helping real people with real goals, offering excellent service, ongoing support, and complete transparency throughout your mortgage journey.
With Jones & Young by your side, even complex applications become simple.
Why Choose Jones & Young
When it comes to specialist mortgages, experience matters. At Jones & Young, weāre proud to be independent specialist mortgage brokers who put our clients first. We combine expert knowledge with a personal touch, ensuring every borrower receives the attention and guidance they deserve. Weāve helped countless customers with everything from self-employed applications to complex financial situations, proving that the right advice can make all the difference.
Market of Specialist Lenders
Access to the whole market of specialist lenders and high street names.
Expert Guidance
Honest and expert advice and clear communication throughout the process.
Personalised Service
Full support from an experienced mortgage adviser who keeps your goals in mind.
Latest Specialist Mortgage Guides
Stay informed with our latest specialist mortgage guides and in-depth mortgage case studies. Each article is written to help you better understand the world of specialist mortgages, offering clear advice and real examples from our clientsā experiences.
House Price to Income Ratio UK 2026: Self-Employed Included
Home Ownership Statistics UK 2026: Outright vs Mortgaged
UK CIS and Construction Self-Employment Statistics 2026
Self-Employed Remortgage: How to Get a Better Deal When Your Fixed Rate Ends
Self-Employed Mortgage Declined? Here’s Why It Happened and What to Do Next
Inside IR35 Mortgage: Yes, You Can Still Get One (Here’s How)
Your Trusted Team Of Experts
Together, Mark and Richard bring experience, honesty, and commitment to every case, ensuring each client receives tailored advice and a smooth, stress-free experience.
Mark Jones
Mark Jones is a seasoned specialist mortgage broker with over a decade of experience helping clients secure the homes they deserve. Heās known for his approachable style, attention to detail, and ability to find solutions for even the most complex cases. Whether youāre a first-time buyer or managing multiple mortgages, Markās insight and connections with specialist lenders ensure youāre always in safe hands.
Richard Young
Richard Young is a trusted mortgage broker and co-founder of Jones & Young. With a strong background in specialist lending, Richard has helped countless clients access better deals and achieve greater financial stability. Heās particularly skilled at supporting older clients and those seeking flexible terms through later-life lending options.
Specialist Mortgages FAQs
Weāve answered some of the most common questions about specialist mortgages below. Whether youāre self employed, have a complex financial situation, or are simply unsure where to start, these answers will help you understand your options before speaking with one of our expert brokers.
What makes a mortgage āspecialistā?
A specialist mortgage is designed for borrowers whose circumstances donāt fit the standard lending criteria. Specialist mortgage lenders look beyond payslips and credit scores to assess your full financial picture, including contract income, business profits, or unique income sources. This makes them ideal for people whoāve struggled to get approval from high street lenders.
Can I get a mortgage if Iām self-employed or have bad credit?
Yes, absolutely. Many of our clients are self employed or have some form of credit history issue. Specialist lenders are far more flexible than traditional banks, considering your full income pattern, recent trading figures, or recovery after financial setbacks. With the right guidance from a specialist mortgage broker, you can still find the right mortgage and move toward homeownership.
Are specialist lenders more expensive than banks?
Not necessarily. While rates can vary, many specialist lenders now offer competitive rates comparable to high street lenders. The key difference is their flexibility, theyāll take the time to understand your unique circumstances and structure a deal that works for your financial needs and goals.
Are specialist mortgages only for commercial properties?
No. While some specialist lenders focus on commercial mortgages, many offer products for residential use too. Whether youāre buying your first home, refinancing, or investing, Jones & Young can match you with the right mortgage products for your needs.
How do I know which lender is right for me?
Choosing the right lender depends on your income type, credit profile, and property goals. Our specialist mortgage brokers handle that for you, comparing the specialist mortgage market to find lenders who understand your situation and can offer the most competitive rates. Weāll guide you through every step, from affordability checks to your final mortgage offer.
