At Reliance Mortgages, we believe that owning a home shouldn’t be a luxury — it should be a realistic goal for everyone.
First-time buyers often face challenges when trying to get a mortgage from their bank. Common reasons include:
- Being in temporary or contract employment
- Not having a large enough deposit
- Having multiple credit commitments
- A low or damaged credit score
- The property not meeting lender criteria
We're here to find solutions. The mortgage market is much bigger than just the high street. There are many specialist lenders offering flexible and innovative products you might not be aware of.
Lenders understand that not everyone fits into the same box — and so do we. That’s why we think differently.
Guarantor Mortgages
If someone you trust is willing to join your mortgage as a guarantor, their income could help you qualify for a larger loan amount.
Income Booster Mortgages
Team up with someone who can be added to your mortgage. Not only can this boost your borrowing power, but the joint applicant can also gain an equity share — it’s a win-win.
Deposit Unlock
Created by the Home Builders Federation, Deposit Unlock helps you buy a new-build home with just a 5% deposit — available on selected developments only.
Adverse Credit Mortgages
We understand that life happens — missed payments, defaults, or even County Court Judgements. We work with lenders who are open to considering your application even if your credit history isn’t perfect.
Multiple Incomes
If you have income from several sources, we can help you use all of it. Whether you're self-employed, running a limited company, receiving pension income, or earning from rental properties — we’ll work to get it counted.
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