Bespoke Mortgages
Flexible mortgage solutions for complex cases.
What is Bespoke?
Bespoke is our product range designed to support good quality complex cases, for clients with non-standard income, property or borrowing needs.
Whether they’re self employed, managing multiple income streams, or require a tailored approach to affordability, Bespoke offers the flexibility to help more of your clients secure the mortgage they need.
Who is Bespoke for?
Bespoke is ideal for clients who:
- Are self employed or have recently changed employment status
- Need to use up to 100% of additional income
- Require Interest Only or Part & Part mortgages
- Are Foreign Nationals with strong profiles
- Require longer terms (up to 40 years) or larger loans (up to £2.5 million).
Why choose Bespoke?
Every case is individually assessed by one of our Bespoke underwriters, who look beyond the numbers to understand the full picture. Whatever the outcome, your underwriter will keep you informed so you can have trust and confidence in their decision.
Future income and employment changes
Cases can be assessed with a long term view, including expected income increases or recent changes in employment
Offsetting liabilities
Outgoings such as school fees or Consent to Let mortgages may be offset to support affordability
Alternative income evidence
Non-standard documentation is accepted, including accountant letters, employer confirmations, SIPP statements, remittance slips, and Chambers certificates for Barristers
Up to 5x income at high LTVs
Up to 5x income is available, even at 90% LTV for Residential lending up to £1 million
Flexible property criteria
Where a property falls outside standard criteria, our BDMs can liaise directly with our survey team to explore potential solutions
Consistent case ownership
A single underwriter manages the case from AIP through to completion, supporting continuity and efficiency
Bespoke case studies
- Client recently became an LLP partner and needed a 40-year term. We accepted a letter from the firm’s finance director confirming drawings and offset the mortgage on their retained property using a Consent to Let agreement.
- Long-standing directors of a Ltd company needed to use part of a SIPP pot for affordability. We accepted 5% of the SIPP value as annual income and offered Interest Only terms.
- A first-time buyer with a strong employment profile needed to use 100% of their bonus income. We approved the case above standard LTV limits for a Foreign National due to the strength of the profile.
How to access Bespoke
To be considered for our Bespoke range, your client's case must meet all of the following:
1. Credit Score
Must pass our credit score.
2. Minimum Income & Loan Size
Minimum loan size is £150,000.
Income requirements:
- Residential (Repayment): At least one applicant must earn £40,000
- Residential (Interest Only): £50,000 for sole applicants, £75,000 for joint applicants
- Buy to Let: At least one applicant must earn £40,000.
3. Income Currency
Income used to support the loan must be paid in GBP.
4. Loan to Value (LTV)
Up to 90% LTV for Residential.
Up to 75% LTV for Buy to Let.
5. Property Criteria
Must meet our standard property criteria.
Some Bespoke cases can go straight to AIP without a pre-submission. This applies if any one of the following is the only Bespoke element:
- Childcare or school fees are excluded from affordability because they’re evidenced as being paid by a third party
- The client has 2 years’ self employed trading history (instead of 3)
- There has been a recent change in trading status for a self employed client
- The loan size is under £1.5 million for Residential or under £1 million for Buy to Let.
If your case includes more than one of these elements or involves other complexities, complete a Bespoke Enquiry Form or get in touch with your dedicated support to discuss the case.
Before applying, check that your client meets our entry points. Some application types may not be suitable for Bespoke. Reviewing our Bespoke FAQs will help you save time and ensure a Bespoke product is right for your client.
Once you're confident the case is eligible:
- Explore our Bespoke product range to view the latest rates
- Decide how to proceed:
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- If your case meets the criteria to go straight to AIP, you can apply online
- If your case includes multiple Bespoke elements or is more complex, get in touch with your dedicated support before applying.
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Next steps?
Use our Criteria Lookup
Explore our full lending criteria, including Bespoke specific criteria where applicable. You’ll find these listed within standard criteria to help support your decision making
Decide how to proceed
- If your case meets our criteria to go straight to AIP, you can apply online
- If your case includes multiple Bespoke elements or is more complex, get in touch with your dedicated support before applying