Precise's Core Specialisms
Precise is particularly strong in: specialist buy-to-let including HMO, MUB (multi-unit block), and limited company structures; self-employed mortgages for residential purchase; adverse credit residential mortgages; portfolio landlord mortgage assessment; contractor day rate income assessment; and complex income residential cases including bonus and commission-reliant earners.
- Specialist buy-to-let including HMO, MUB (multi-unit block), and limited company structures
- Self-employed mortgages for residential purchase
- Adverse credit residential mortgages
- Portfolio landlord mortgage assessment
- Contractor day rate income assessment
- Complex income residential cases including bonus and commission-reliant earners
Precise for Self-Employed Borrowers
Precise is one of the specialist lenders most willing to accept one year of self-employment history and most recent year income assessment. Their self-employed range covers sole traders, partnerships, and limited company directors - including net profit assessment for directors who retain earnings in the company.
Precise Specialist BTL
Precise's specialist BTL product range is one of the most comprehensive in the market: HMOs up to 10 bedrooms; multi-unit freehold blocks; limited company SPV mortgages; holiday let and short-term let properties; and ex-local authority flats in some circumstances. Their rental income assessment methodology and ICR calculations are designed around specialist property types rather than simple single-AST assessments.
- HMOs up to 10 bedrooms
- Multi-unit freehold blocks
- Limited company SPV mortgages
- Holiday let and short-term let properties
- Ex-local authority flats in some circumstances
Comparing Precise Against Other Specialists
For any specialist case, Precise will be one of the lenders a specialist broker considers alongside Kensington, Together, Foundation Home Loans, Kent Reliance, and specialist building societies. The right lender for your specific case depends on the precise profile - type and severity of adverse credit, income structure, property type, and LTV required. A broker comparison identifies the best fit without unnecessary credit searches.
Doulton Bridging Finance is an independent specialist mortgage broker. We are not affiliated with, or endorsed by, Precise Mortgages or the OSB Group. We compare Precise alongside 130+ specialist lenders to find the right fit for your circumstances.