Precise Mortgages
Specialist mortgage lending for underserved borrowers. Credit impairment, self-employment, and buy-to-let products with tiered pricing that reflects your actual circumstances.
Lending for borrowers others overlook
Precise Mortgages, part of the OSB Group, was established specifically to provide mortgage solutions for borrowers whose circumstances sit outside mainstream lending criteria. Whether your challenge is credit history, employment type, or property type, Precise has developed products that address these gaps in the market.
Through Doulton Bridging Finance, we help you navigate Precise's product range to find the right fit. Their tiered pricing model means you pay a rate that reflects your actual circumstances rather than a one-size-fits-all specialist premium, and our brokers know exactly how to present your case for the best outcome.
Benefits of Precise Mortgages
Specialist for the Underserved
Precise Mortgages exists to serve borrowers overlooked by mainstream lenders, offering products specifically designed for those with non-standard circumstances.
Part of OSB Group
Backed by OneSavings Bank, Precise combines specialist flexibility with the financial strength and stability of a publicly listed banking group.
Credit Impairment Products
Precise offers tiered products based on the severity and age of credit events, meaning your rate reflects your actual risk profile rather than a blanket specialist premium.
Self-Employed and Contractors
Flexible income assessment for self-employed borrowers and contractors, including acceptance of one year of accounts and day-rate based calculations for contractors.
Buy-to-Let Range
Comprehensive buy-to-let products including options for portfolio landlords, limited company purchases, HMOs, and multi-unit blocks with experienced specialist underwriting.
Large Loans Available
Precise can accommodate larger loan sizes within both their residential and buy-to-let ranges, with dedicated underwriting for more complex high-value cases.
How it works
Assess Your Situation
We review your circumstances in detail to determine which Precise product tier offers the best combination of rate and criteria for your specific profile.
Product Matching
We match you to the right Precise product and compare against other specialist lenders to ensure you receive the most competitive terms available.
Expert Application
We prepare your application with the documentation and presentation that Precise's underwriters need, drawing on our experience of their specific requirements.
Through to Completion
We manage every stage from application through valuation, offer, and legal work to bring your mortgage to a successful completion.
Explore Precise Mortgages options
Let our specialist brokers find the right Precise product for your circumstances. Competitive specialist rates tailored to your profile.
Frequently asked questions
Can I get a Precise mortgage through Doulton?
Yes. We hold broker agencies with Precise where available and can access their intermediary product range. Where Precise 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 Precise 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 Precise cannot take your case, we can place it elsewhere without a declined application showing on your credit file.
What LTV and loan size does Precise offer?
Precise'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 Precise 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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