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Hello, I’m

Hello, I’m​ David Thompson (CeMAP, CeRER)
Mortgage Adviser
Your Trusted Partner for Mortgages and Financial Solutions
Welcome! I’m here to guide you through mortgages, remortgages, debt consolidation, and personal and business protection. With years of experience, I provide tailored advice and solutions to meet your unique needs.
Why Work with Me?
  • 1. Wide Range of Lenders: I have access to numerous lenders to find the best deals for you.
  • 2. Expert Advice: Benefit from my knowledge and experience to make informed decisions.
  • 3. Save Time and Money: I’ll handle the hard work, ensuring you get the best financial solutions efficiently.
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Here’s what you need to know about specialist mortgages.

Specialist mortgages are designed for people with unique personal and/or financial situations that might not fit the criteria for standard mortgages. These mortgages offer tailored solutions for various needs, making home ownership accessible for a wider range of borrowers. Whether you’re self-employed, a first-time buyer, or have a poor credit history, there’s likely a specialist mortgage to fit your needs. Speak to me and I’ll find the best deal for you.

Here’s what you need to know about specialist mortgages.

Specialist mortgages are designed for people with unique personal and/or financial situations that might not fit the criteria for standard mortgages. These mortgages offer tailored solutions for various needs, making home ownership accessible for a wider range of borrowers. Whether you’re self-employed, a first-time buyer, or have a poor credit history, there’s likely a specialist mortgage to fit your needs. Speak to a mortgage adviser to explore your options and find the best deal for you.

Self-Employed Mortgages:

Tailored for self-employed individuals who may not have regular income statements. Lenders may require additional proof of income, like SA302’s or tax calculations / overviews, business accounts, and a consistent income history. These mortgages are designed to accommodate the variable income patterns of self-employed professionals.

Adverse Credit Mortgages:

Designed for those with a poor credit history. These mortgages may come with higher interest rates and may require larger deposits, but they offer a path to home ownership for those working to rebuild their credit.

Joint Borrower – sole proprietor mortgage

A joint-borrower-sole-proprietor mortgage, or JBSP mortgage, lets you buy a property with the help of up to four people, including your parents. Combining applicants makes it easier to qualify for a mortgage, but only one person owns the property.

Limited Company Buy-to-Let Mortgages:

For landlords who want to buy rental properties through a limited company. This can offer tax advantages and is becoming increasingly popular among property investors.

For more information on specialist mortgages and to get personalised advice, contact me.

Here are the top 14 questions asked by people looking for a specialist mortgage in the UK:

A specialist mortgage is tailored for individuals with unique financial circumstances that may not fit traditional lending criteria, such as self-employment, bad credit history, or irregular income.
Yes, you can still get a mortgage with bad credit. There are specialized mortgages available that cater to individuals with poor credit ratings. These mortgages may require a higher deposit and come with higher interest rates.
A self-employed mortgage is designed for individuals who run their own businesses or freelancers with variable income. Lenders typically require proof of income typically 2 years SA302’s / tax overviews or calculations and/or business accounts. However, there are some lenders who will consider self-employed people with only 12 months income.
A guarantor mortgage involves a third party, usually a family member or close friend, who guarantees the mortgage repayments. This can help applicants with low income or poor credit history to secure a mortgage.
Shared ownership allows you to purchase a percentage of a property (usually between 25% to 75%) and pay rent on the remaining share. Over time, you can increase your ownership through a process known as “staircasing.”
Buy-to-let mortgages are for purchasing properties to rent out. Benefits include potential rental income, property appreciation, and tax advantages like deducting mortgage interest from rental income.
You’ll typically need proof of identity (e.g., passport), proof of income (e.g., pay slips or tax returns), bank statements, and details of any existing debts. Self-employed applicants may need additional documents such as business accounts.
Yes, there are specialist mortgages available for individuals with irregular income patterns. Lenders will assess your overall financial situation and may require additional documentation to verify your income stability.
An offset mortgage links your mortgage to your savings account. The balance in your savings account is offset against your mortgage debt, reducing the interest you pay on your mortgage.
A mortgage adviser provides expert guidance on choosing the right mortgage for your needs. They can access exclusive deals, handle paperwork, and provide ongoing support throughout the mortgage application process.
This type of mortgage is for landlords who own rental properties through a limited company. It offers tax advantages and separates personal liability from rental income.
Yes, it’s possible to get a mortgage if you’re newly self-employed. Lenders typically prefer to see at least one to two years of accounts to demonstrate income stability, but some may consider applications with less history if other criteria are met.
A bad credit mortgage is designed for individuals with a poor credit history. These mortgages may have higher interest rates and require a larger deposit, but they provide an opportunity to improve creditworthiness through responsible mortgage repayments.
A mortgage agreement in principle is a preliminary decision from a lender indicating the amount they’re likely willing to lend you based on a basic assessment of your financial situation. It’s not a formal mortgage offer but can strengthen your position when making an offer on a property.
For personalised advice and assistance with your specialist mortgage needs, contact me on 07930 895118

Here’s what you need to know about specialist mortgages.

Specialist mortgages are designed for people with unique personal and/or financial situations that might not fit the criteria for standard mortgages. These mortgages offer tailored solutions for various needs, making home ownership accessible for a wider range of borrowers. Whether you’re self-employed, a first-time buyer, or have a poor credit history, there’s likely a specialist mortgage to fit your needs. Speak to a mortgage adviser to explore your options and find the best deal for you.

Self-Employed Mortgages:

Tailored for self-employed individuals who may not have regular income statements. Lenders may require additional proof of income, like SA302’s or tax calculations / overviews, business accounts, and a consistent income history. These mortgages are designed to accommodate the variable income patterns of self-employed professionals.

Adverse Credit Mortgages:

Designed for those with a poor credit history. These mortgages may come with higher interest rates and may require larger deposits, but they offer a path to home ownership for those working to rebuild their credit.

Joint Borrower – sole proprietor mortgage

A joint-borrower-sole-proprietor mortgage, or JBSP mortgage, lets you buy a property with the help of up to four people, including your parents. Combining applicants makes it easier to qualify for a mortgage, but only one person owns the property.

Limited Company Buy-to-Let Mortgages:

For landlords who want to buy rental properties through a limited company. This can offer tax advantages and is becoming increasingly popular among property investors.

For more information on specialist mortgages and to get personalised advice, contact me.

Here are the top 14 questions asked by people looking for a specialist mortgage in the UK:

A specialist mortgage is tailored for individuals with unique financial circumstances that may not fit traditional lending criteria, such as self-employment, bad credit history, or irregular income.
Yes, you can still get a mortgage with bad credit. There are specialized mortgages available that cater to individuals with poor credit ratings. These mortgages may require a higher deposit and come with higher interest rates.
A self-employed mortgage is designed for individuals who run their own businesses or freelancers with variable income. Lenders typically require proof of income typically 2 years SA302’s / tax overviews or calculations and/or business accounts. However, there are some lenders who will consider self-employed people with only 12 months income.
A guarantor mortgage involves a third party, usually a family member or close friend, who guarantees the mortgage repayments. This can help applicants with low income or poor credit history to secure a mortgage.
Shared ownership allows you to purchase a percentage of a property (usually between 25% to 75%) and pay rent on the remaining share. Over time, you can increase your ownership through a process known as “staircasing.”
Buy-to-let mortgages are for purchasing properties to rent out. Benefits include potential rental income, property appreciation, and tax advantages like deducting mortgage interest from rental income.
You’ll typically need proof of identity (e.g., passport), proof of income (e.g., pay slips or tax returns), bank statements, and details of any existing debts. Self-employed applicants may need additional documents such as business accounts.
Yes, there are specialist mortgages available for individuals with irregular income patterns. Lenders will assess your overall financial situation and may require additional documentation to verify your income stability.
An offset mortgage links your mortgage to your savings account. The balance in your savings account is offset against your mortgage debt, reducing the interest you pay on your mortgage.
A mortgage adviser provides expert guidance on choosing the right mortgage for your needs. They can access exclusive deals, handle paperwork, and provide ongoing support throughout the mortgage application process.
This type of mortgage is for landlords who own rental properties through a limited company. It offers tax advantages and separates personal liability from rental income.
Yes, it’s possible to get a mortgage if you’re newly self-employed. Lenders typically prefer to see at least one to two years of accounts to demonstrate income stability, but some may consider applications with less history if other criteria are met.
A bad credit mortgage is designed for individuals with a poor credit history. These mortgages may have higher interest rates and require a larger deposit, but they provide an opportunity to improve creditworthiness through responsible mortgage repayments.
A mortgage agreement in principle is a preliminary decision from a lender indicating the amount they’re likely willing to lend you based on a basic assessment of your financial situation. It’s not a formal mortgage offer but can strengthen your position when making an offer on a property.
For personalised advice and assistance with your specialist mortgage needs, contact me on 07930 895118

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  • Apt 11, Woodbrook House, 46, New House Farm Drive, Northfield, Birmingham 831 2GP
  • Birmingham – 0121 453 4244
    Loughborough – 01509 457458
    Mobile – 07930 895118
  • david@templar-mortgages.co.uk

Integrity

Transparency

Confidentiality

Your home may be repossessed if you do not keep up repayments on your mortgage.

Not all Buy to Let mortgages are regulated by the Financial Conduct Authority.

Think carefully before securing other debts against your home.

As with all insurance policies, conditions and exclusions will apply.

Templar Mortgages and Protection is registered in England & Wales under number 15371139. Registered address is – 11, Wood Brook House, 46, New House Farm Drive, Northfield, Birmingham, B31 2GP.

Templar Mortgages and Protection is an Appointed Representative of Stonebridge Mortgage Solutions Ltd which is authorised and regulated by the Financial Conduct Authority.

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