Residential Mortgages

Mortgages for Professionals
Exclusive Lending Solutions

Certain professionals, such as doctors, dentists, accountants, solicitors, engineers, and other high-earning professionals, may benefit from specialist mortgage solutions tailored to their unique financial circumstances. Some lenders offer enhanced lending criteria, including:

  • Higher loan-to-income ratios for qualifying professions

  • More flexible underwriting for individuals with irregular income patterns

  • Exclusive mortgage products not widely available in the general market

Whether you're newly qualified or not, we have access to lenders who recognise the earning potential and career stability of professionals.

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Moving Home
Supporting Your Next Chapter

Whether you're moving to accommodate a growing family or relocating for a fresh start, finding the right mortgage is crucial. Our team provides tailored advice on affordability calculations, mortgage portability, and lender criteria, helping you transition seamlessly into your new home.

Remortgaging
Optimising Your Mortgage Deal

As your current mortgage term comes to an end, it’s important to assess your options—not just with your existing lender, but across the whole market. A remortgage presents an opportunity to:

  • Secure a better interest rate

  • Adjust your loan structure to suit your current financial situation

  • Consolidate debts or release equity for other investments

We ensure you make informed decisions that align with your long-term goals.

High-Value Mortgages (£1M+)
Tailored Lending for Complex Financial Needs

Larger mortgages require specialist expertise, as lender criteria become more stringent at higher loan values. We work closely with banks, building societies, and private lenders to ensure your mortgage is structured optimally, whether for high-net-worth individuals or complex financial profiles. Our established relationships enable us to secure bespoke lending solutions beyond standard offerings.

At MSP Financial Solutions, we believe in making mortgage advice straightforward, accessible, and tailored to your goals. Whatever your property finance needs, we’re here to help you make informed decisions with confidence.

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Interest-Only & Part Interest Mortgages
Flexible Repayment Options

Interest-only mortgages and part interest-only solutions provide options to lower monthly payments, provided an acceptable repayment strategy is in place. These products can be particularly useful for investment planning or managing financial commitments strategically.  They can also be useful for those with variable incomes and bonuses that they can use to reduce the mortgage balance.  Our expertise ensures you understand the risks and benefits while finding the most suitable lender for your needs.

Self-Employed Mortgages
Finding Solutions for Business Owners

If you’re a Limited Company director, Sole Trader, or LLP Partner, mortgage lenders may assess your income differently from salaried applicants. With our deep understanding of self-employed mortgage criteria, we help ensure your financial profile is structured correctly to secure the best possible mortgage deal - turning what can seem complex into a seamless process.

First-Time Buyer Mortgages
Make Your First Step Count

Entering the property market can feel overwhelming, with countless mortgage options and lender criteria to consider. Our advisors provide straightforward, expert guidance to help first-time buyers secure the most suitable mortgage at competitive rates.

If you're purchasing a new build home, additional factors such as deposit requirements, construction warranties, and developer incentives come into play. Some lenders offer exclusive mortgage products tailored for new build properties. We help you navigate this fast-moving space, ensuring your mortgage aligns with your financial goals.

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Offset Mortgages
A Smarter Way to Manage Interest

An offset mortgage allows you to link your savings account to your mortgage, reducing the amount of interest you pay on your loan. Rather than earning interest on your savings, they offset your mortgage balance - effectively lowering your monthly payments or shortening the term of your mortgage.

This flexible mortgage option benefits borrowers who have substantial savings and want to optimise their repayment strategy.  The y can also provide an effective tool for future financial events as offset mortgages can provide a flexible facility to allow for future purchase or refurbishment plans.  As you only pay interest on the amount drawn you’re only paying interest on the amount you need.  We can assess whether an offset mortgage is right for you and help structure it effectively.

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Get In Touch

We can help with residential mortgages at any level of complexity, with years of experience behind us we’ve succeeded where others brokers have failed many times.

Our expert advisers can explore the whole of the market for you to make sure that you are securing the most competitive deal available to you. Please do get in touch

What our clients have to say

  • Donny from MSP was superb at helping me.

    Donny from MSP was superb at helping me get my initial mortgage as a first time buyer. He spent time guiding me through the process and answering all of my questions.

    When it came time to remortgage I knew I was in safe hands with Donny. He helped explain all the range of different options available and their respective pros and cons. Most importantly though, he helped me to lock in the best rate a few months prior to my remortgage date. With subsequent market movements it was great to have piece of mind that we had locked in early.

    I would have no hesitation in using Donny and MSP Financial again! Thanks again Donny!

  • I’ve always been impressed

    Chris Sykes at MSP Financial has handled all my mortgages over the years, and I’ve always been impressed by his professionalism and attention to detail. He doesn’t just find a deal and leave it there, he keeps an eye on things and always lets me know if there’s a rate drop or a better option available. Where other brokers might miss those opportunities, Chris makes sure I never do. He’s clear, thorough, and genuinely has your best interests at heart. Absolutely worth the fee for the level of service and peace of mind he provides.