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The Specialist Mortgage Directory

Mainstream comparison sites assume you have perfect credit and a permanent salaried job. If you are a contractor, self-employed, have a CCJ, or want a complex Buy-to-Let, you need a specialist broker. Find the experts here.

May 2026Last tested & updated
Tier 1: The Heavy Hitters

Major Direct Lenders & Big Brokers

Direct-Only Lender
First Direct
Famed for top-tier customer service and competitive rates, but they often refuse to appear on comparison sites. Apply direct.
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Fee-Free Broker
L&C Mortgages
The UK's largest fee-free broker. Great for standard applications where you want expert guidance without paying broker fees.
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Building Society
Coventry BS
A mutual society that often reserves its best loyalty rates and high-LTV products for direct applicants.
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Complex Incomes
SPF Private Clients
Premium brokers with deep lender relationships. The go-to firm for complex incomes, multiple income streams, and large loans.
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Digital Broker
Habito
A massive tech-driven broker that searches the whole market and handles the entire application online, fee-free.
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Tier 2: The Micro-Directory

Specialist Brokers & Niche Needs

Provider Specialty / Niche Trustpilot Rating Action
Haysto Specialist Broker Bad Credit & CCJs
4.9 / 5 (Excellent)
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Cleerly Niche Broker Contractors & Self-Employed (1 yr accounts)
4.8 / 5 (Excellent)
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Liquid Expat Specialist Broker Expat & Foreign National Mortgages
4.7 / 5 (Excellent)
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Bespoke Finance Commercial Broker Buy-to-Let Portfolios & HMOs
— (too few reviews)
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Oportfolio Boutique Broker High Net Worth & Large Loans
4.9 / 5 (Excellent)
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Mojo Mortgages Digital Broker Fast tech-driven approvals
4.6 / 5 (Excellent)
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