Is this you?
Every situation starts with a different story.
Your income is not straightforward
You may be self-employed, a contractor, company director, receive dividends, bonuses, commission or multiple sources of income.
Your credit history needs more explanation
You may have experienced missed payments, defaults, arrears, a CCJ or another past credit issue.
The property is unusual
Perhaps it is non-standard construction, above commercial premises, has acreage, multiple units or other features that some lenders may view differently.
Your circumstances sit outside standard criteria
You may have overseas income, complex affordability, a recent change in employment or another situation that needs a more individual approach.
How Verion helps
We understand the full picture
We do not start by asking which product fits. We start by understanding your income, property, credit history, future plans and the circumstances behind them.
We shape the right approach
We explore lenders whose criteria may be better suited to your circumstances rather than repeatedly applying where the fit is unlikely to work.
We make complexity easier to navigate
Specialist mortgage applications often require more explanation and supporting evidence. We help you understand what may be needed and keep the process clear from the outset.
We present your circumstances properly
Where appropriate, we help organise the information and supporting evidence a lender may need to assess your application fairly and fully.
We stay with you through the journey
A more complex mortgage can require patience and communication. We stay involved through the application, underwriting and completion process, and remain connected afterwards.
Your specialist mortgage journey
We start with your story
We take the time to understand your income, property, credit history and what you are trying to achieve.
We identify the right route
We consider which lenders and mortgage criteria may be more appropriate for your particular circumstances.
We prepare the picture clearly
We help identify the documents, evidence and explanations that may support the application.
We make the process easier
We guide the application through lender assessment and underwriting, keeping you informed along the way.
We stay beyond completion
Your circumstances may change over time. We stay connected so future mortgage decisions can be reviewed with the benefit of understanding your history.
Things worth knowing
We explain the relevant costs and features before you decide whether to proceed.
The lender will make the final decision based on its assessment of your circumstances, affordability and the property.
The outcome will depend on factors such as the nature, amount, timing and current status of the issue, as well as the lender's criteria.
Self-employed income, dividends, bonuses, commission, contractor income and overseas earnings may all be treated differently from lender to lender.
Your home may be repossessed if you do not keep up repayments on your mortgage.