Mortgages

CHL Mortgages

Specialist residential mortgage products from CHL. Solutions for contract workers, self-employed borrowers, and complex income cases.

Specialist Residential Lender

Specialist solutions for modern borrowers

CHL Mortgages fills an important gap in the UK mortgage market, serving borrowers whose income patterns or employment circumstances sit outside the narrow criteria of mainstream lenders. Their specialist focus means they understand the nuances of complex cases.

Whether you work on contracts, run your own business, or have income from multiple sources, CHL has the expertise and product range to find a mortgage that works. Through Doulton, your application is professionally prepared and submitted for the best possible outcome.

Specialist

Focus

Contract

Workers

Flexible

Income

Fast

Decisions

Why Doulton

CHL specialist lending through Doulton

Specialist Residential Focus

CHL Mortgages concentrates on residential lending where mainstream lenders struggle, providing solutions for borrowers with complex circumstances that require individual assessment.

Contract Worker Solutions

CHL understands the modern employment landscape and offers products designed for contract workers, freelancers, and those with irregular but reliable income patterns.

Self-Employed Flexibility

Flexible approaches to self-employed income verification, including consideration of business accounts, tax returns, and projected earnings for growing businesses.

Near-Miss Lending

CHL specialises in cases that almost fit mainstream criteria but fall short on one or two points, bridging the gap between high street and specialist lending.

Efficient Turnaround

CHL focuses on delivering fast decisions and efficient processing, understanding that borrowers with complex cases have often already experienced delays elsewhere.

Intermediary Partnership

CHL works exclusively through intermediaries, ensuring every application benefits from professional advice and thorough case preparation before submission.

The Process

How it works

Case Assessment

We review the details of your case to determine whether CHL's specialist criteria offer a better fit than mainstream alternatives for your circumstances.

Product Matching

We match you to the right CHL product based on your income type, employment status, and property requirements, ensuring the best available terms.

Prepared Submission

We package your application with all supporting documentation, presenting your case clearly to CHL's underwriting team for efficient assessment.

Offer and Completion

We manage the process through to offer and coordinate with your solicitor to bring your mortgage to completion on schedule.

Get a specialist mortgage quote

If your income or employment does not fit mainstream criteria, CHL Mortgages could provide the solution. Talk to our team today.

Get a Quote Discuss Your Case

FAQs

Frequently asked questions

Can I get a CHL mortgage through Doulton?

Yes. We hold broker agencies with CHL where available and can access their intermediary product range. Where CHL 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 CHL 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 CHL cannot take your case, we can place it elsewhere without a declined application showing on your credit file.

What LTV and loan size does CHL offer?

CHL'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 CHL 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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