At Accelerate Financial Services, we understand that traditional lending doesn’t always work for everyone. If your financial needs fall outside the mainstream, our team can help you explore flexible funding options through both high-street and specialist lenders. Whether you’re purchasing a second home, need fast access to funds, or require a more tailored mortgage structure, we’re here to find the right solution for your unique situation.

What We Offer

We specialise in helping clients who may not fit the typical lending criteria, ensuring they still have access to competitive and well-structured finance options.

UK Mortgage Market in 2025

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Types of Specialist Finance We Advise On

Bridging Finance

Ideal for short-term funding needs, such as purchasing a property before selling your existing one, or buying at auction. Bridging loans can be arranged quickly and are secured against property or land.

Second Charge Mortgages

A second charge mortgage lets you borrow against the equity in your home while keeping your existing mortgage in place. It’s often used for home improvements, consolidating debts, or raising funds for investment

Offset Mortgages

Offset mortgages link your savings to your mortgage balance, helping reduce the interest you pay and potentially shorten your mortgage term. Great for those who have savings but want flexibility in how they use them.

Sharia Mortgage

Looking for a Sharia-compliant mortgage? We offer ethical, interest-free mortgage options that align with Islamic principles. Our team provides expert guidance to help you navigate the process with confidence and find the best mortgage for your needs.

Expat Mortgages

As an expat, securing a mortgage can be challenging. We specialise in helping overseas residents find the right mortgage solutions for property purchases in the UK. Our experts offer personalized advice and access to exclusive deals, ensuring a smooth and straightforward process.

Commercial Mortgages

Secure the right financing for your business with our tailored commercial mortgages. Whether you’re buying or refinancing a commercial property, we offer flexible terms and competitive rates to help your business thrive. Let us guide you to the best solution for your property needs.

Holiday Home & Second Home Finance

Whether you’re buying a UK-based holiday cottage or a second home for occasional use, we can help you find a lender who understands non-standard occupancy patterns and criteria.

Frequently asked questions

Specialist lenders are financial institutions that focus on more flexible lending criteria – perfect for those with complex income, credit history, or unconventional property types.

Bridging loans can often be arranged within days, depending on your circumstances. They’re designed for speed and short-term use.

With a second charge, your existing mortgage remains unchanged – you borrow an additional amount separately. A remortgage involves replacing your current mortgage entirely.

Typically, those with savings or irregular income (such as the self-employed) benefit from offset mortgages. We’ll assess your financial picture and let you know if it’s suitable.

Yes, but these usually require specialist lenders. Criteria may vary depending on whether the property is for personal use, occasional letting, or full-time holiday rental.

Not necessarily. While some products carry slightly higher rates due to the flexibility offered, we compare the market to find the most cost-effective and appropriate solution for you.

💬 Let’s Talk....

Every financial situation is different. That’s why we offer personalised advice and bespoke solutions to help you make confident, well-informed decisions.

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