Mortgage and protection for complex and unusual properties.
If your dream home isn’t a straightforward bricks-and-mortar purchase, finding a mortgage can be far from simple. But specialist properties deserve specialist solutions, that’s where we can help.
We’ve got your best interest at heart.
Complex property?
No problem.
From self-build projects to listed buildings and homes with non-standard construction, we know that some properties don’t tick a traditional lender’s boxes. That doesn’t mean they’re not worth financing - it just means you need the right mortgage broker to guide you to the right lender.
With access to specialist lenders who understand unique and challenging properties, we can help secure lending for your next move.
Tailored mortgage solutions for the unusual and ambitious.
If you’ve been refused by mainstream lenders, left puzzled by mixed advice, or struggling to find finance that fits your property’s needs, we’re here to make things clearer.
Many lenders shy away from complexity, applying blanket rules that don’t consider your vision or the property’s true potential. We work with those who take a more practical, informed approach - considering the full picture before making a decision..
Overcoming the challenges.
Unusual construction materials
We work with lenders experienced in financing properties built from timber frames, steel, concrete, cob, or other non-standard methods.
Multi-unit properties
Having multiple properties under one title can be more difficult to fund than a standard single unit dwelling, we utilise our network of lenders to find the best lender for your property.
Self-build and renovation finance
From securing initial funds to stage-by-stage drawdowns, we guide you through the specialist processes.
Listed or heritage buildings
We find lenders who understand the value and quirks of properties with protected status.
Leasehold houses
Our experience in helping clients purchase leasehold houses from the likes of the National Trust means we can get to the answer quickly for you.
Planning restrictions and agricultural ties
We connect you with lenders willing to navigate these added layers of complexity.
We’re here.
Whether it’s questions about your current mortgage, switching to a new deal, moving house or looking to protect your income, we’re here for you.
With our office in Monmouthshire and a network of colleagues across South Wales, Somerset and London, we’re never far away.
Quickly and easily book a call with us using the link below.
Our Approach
1. Discovery Call
This is where it all starts; we want to get to know you and what you need from us, our 30 minute strategy call is a great time to ask any initial questions and lay out our working relationship.
2. Fact Find
Using the latest technology we collate all the relevant documents and information from you securely allowing us to provide you high quality advice.
3. Advice & Application
Following extensive research of the market, we will provide our advice and recommendation ready for application. We then run through all the documents with you so you’re informed to make the right decision for you.
4. Progress to Completion
Personally managing the process from start to finish, from offer issue to completion as swiftly and efficiently as possible. Questions during the process? We’re here.
“We can't recommend Jonathan Southgate and the team enough!”
“Selling and buying houses is certainly not stress free. On top of that, navigating the world of mortgages, especially during a time of increased uncertainty with cost of living rises, interest rates and upcoming elections, is not straightforward. We used Sterling Southgate as our mortgage advisor which took away a big part of that stress and worry, giving us the right options for our current and potential future circumstances, supporting us along the house selling/buying journey.”
Sam & Alex. (June 2024)