Mortgages

Aldermore Mortgages

Specialist mortgage products from Aldermore for buy-to-let investors, self-employed borrowers, and those with complex income structures.

Specialist Bank

Specialist lending for real-world borrowers

Aldermore was founded to serve borrowers overlooked by traditional high street banks. As a specialist bank, they focus on segments where manual underwriting and genuine expertise make the difference between a decline and an approval.

Whether you are a portfolio landlord expanding your holdings, a self-employed professional with fluctuating income, or a contractor on a fixed-term engagement, Aldermore has products designed specifically for your situation.

BTL

Specialist

HMO

Accepted

SPV

Ltd Company

Manual

Underwriting

Why Doulton

Aldermore expertise through Doulton

Buy-to-Let Expertise

Aldermore is one of the UK's leading specialist buy-to-let lenders, offering products for single properties, portfolios, HMOs, and multi-unit blocks with competitive rental calculations.

Complex Income Welcome

Self-employed borrowers, contractors, and those with multiple income streams benefit from Aldermore's manual underwriting approach that looks beyond simple payslips.

Portfolio Landlord Solutions

Landlords with four or more mortgaged properties can access Aldermore's dedicated portfolio assessment, which evaluates the overall portfolio rather than individual properties in isolation.

Limited Company Lending

Aldermore offers buy-to-let mortgages through SPV limited companies, helping landlords manage their tax position following changes to mortgage interest relief.

Flexible Property Types

From standard residential to HMOs, multi-unit freehold blocks, and ex-local authority properties, Aldermore considers a wider range of property types than most high street lenders.

Experienced Underwriters

Aldermore's experienced underwriting team takes a common-sense approach, considering the full picture rather than relying solely on automated credit scoring.

The Process

How it works

Initial Assessment

We assess your property and financial circumstances against Aldermore's criteria to identify the right product, whether residential, buy-to-let, or portfolio lending.

Case Packaging

We prepare your application with all supporting documentation, presenting your case in the format that Aldermore's underwriters respond to best.

Underwriting Support

We liaise directly with Aldermore's specialist underwriting team throughout the assessment process, addressing queries and providing additional information promptly.

Offer and Completion

Once your mortgage offer is issued, we coordinate with your solicitor to ensure completion proceeds smoothly and on schedule.

Explore Aldermore mortgage options

Whether you need a buy-to-let mortgage, portfolio lending, or a residential mortgage with complex income, we can help you access Aldermore's specialist products.

Get a Quote Discuss Your Needs

FAQs

Frequently asked questions

Can I get a Aldermore mortgage through Doulton?

Yes. We hold broker agencies with Aldermore where available and can access their intermediary product range. Where Aldermore is not the right fit, we will benchmark their offer against every other lender on our panel and recommend the most cost-effective overall deal.

Why apply to Aldermore via a broker rather than direct?

Most UK mortgage lenders reserve a portion of their range - often including their sharpest rates - for intermediary-introduced business. Going through a broker also means you are not locked to one lender's criteria: if Aldermore cannot take your case, we can place it elsewhere without a declined application showing on your credit file.

What LTV and loan size does Aldermore offer?

Aldermore's maximum LTV and loan size vary by product and property type. We check current criteria at the point of enquiry - residential, buy-to-let, high-value and specialist ranges each have their own limits. Tell us your requirement and we will come back with exactly what Aldermore can support today.

What if my application is complex - non-standard income, expat status, adverse credit?

Mainstream high-street lenders are rarely the right home for complex applications. We work with specialist, private and challenger banks alongside the names you will recognise, which means we can often place cases that would be rejected by a direct approach.

How long does a mortgage application take?

Typical timelines are 2-4 weeks from application to offer for straightforward cases, and 4-8 weeks for cases needing valuation, specialist underwriting or complex income review. Exchange and completion after that is driven by your conveyancer's pace.

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