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