Working with professionals
Supporting your clients with clear, specialist mortgage advice, including complex lending solutions and later life finance.
A trusted partner for more complex cases
We regularly collaborate with professional advisers when a client’s circumstances require complex lending solutions that extend beyond standard lending criteria. This situation may arise from factors such as age, income structure, property type, or broader planning considerations. Our role is to offer clear and practical later life finance advice, helping you navigate various options with confidence and ensuring your client receives specialist mortgage advice that aligns with the overarching strategy you are implementing.
Supporting your clients and your team
We collaborate with professional firms not only on individual client cases but also in assisting teams to cultivate a clearer understanding of how specialist mortgage advice integrates into broader planning. This is especially pertinent when property wealth, later life considerations, or complex lending solutions are integral parts of a client’s overall strategy.
In many instances, mortgage decisions are intricately connected to facets like estate planning, intergenerational wealth transfer, and retirement income. By having a clear perspective on what is achievable - along with potential risks or constraints that may emerge - teams can provide more effective and comprehensive equity release advice, ultimately shaping well-rounded recommendations for your clients.
We’re happy to provide informal briefings or CPD-style sessions for your team, tailored to your area of work. These sessions can cover various topics including later life lending, equity release advice, and how to support clients who wish to gift or assist family. We also focus on understanding how different complex lending solutions interact with broader financial and legal planning.
Our approach is practical and straightforward, emphasising real-world scenarios instead of theory. The aim is to complement the specialist mortgage advice you already provide, helping you identify opportunities, avoid unintended consequences, and ensure that clients are aware of the full range of options available to them.
How we support your clients
Clear, straightforward advice
Clear, straightforward advice
Clear, straightforward advice
We explain borrowing options, costs and commitments in plain English, helping your clients make informed decisions with confidence.
Specialist expertise
Clear, straightforward advice
Clear, straightforward advice
We assess cases that require a closer understanding of lender criteria, including borrowing in retirement, unusual income arrangements and more complex circumstances.
A considered approach
A considered approach
A considered approach
We take time to understand each client’s priorities, financial position and future plans before recommending a suitable way forward, including whether borrowing is appropriate.
End-to-end support
A considered approach
A considered approach
We manage the mortgage process from initial enquiry through to completion, coordinating with lenders and solicitors and keeping you informed where your client has given permission.
Areas we can assist with
Later life lending and equity release
Advice on mortgages into retirement, retirement interest-only (RIO) mortgages and lifetime mortgages, considering affordability, future needs and the implications for the client’s estate.
Remortgaging and capital raising
Reviewing existing borrowing and exploring options to release funds for home improvements, family support or other planned expenditure.
Complex and non-standard income
Support for self-employed clients, company directors and those with multiple income sources, bonuses, variable earnings or pension income that requires individual assessment.
Expat and international clients
UK mortgage advice for clients living or working abroad, including those paid in foreign currencies, seafarers and yacht crew.
Bridging and short-term lending
Exploring short-term funding for property purchases and other time-sensitive transactions, with careful consideration of costs, timescales and a credible repayment strategy.
Energy efficiency funding
Assessing borrowing options for insulation, heating upgrades and other energy improvements, including green mortgage products where available and appropriate.
Specialist Mortgage Advice for Your Clients
We’ll talk through the client’s situation and confirm how we can help.
You can introduce us directly, or we can work alongside you as needed.
We provide clear advice tailored to the client’s circumstances.
We keep you informed at appropriate points throughout the process.
Why Harbour Home Finance Ltd
Experienced and approachable
Your clients benefit from Matt’s 30-plus years in financial services and a personal approach that makes it easy to ask questions and discuss concerns.
Specialist capability
Access to mainstream and specialist lenders helps us identify potential routes for cases that fall outside standard high-street criteria.
Professional and discreet
We respect the trust you place in us when making an introduction. We handle enquiries sensitively, protect client confidentiality and work constructively alongside existing professional advisers.
Client-focused
Our advice starts with what your client needs to achieve. We explain the trade-offs, give clients time to consider their options and respect their decision about whether to proceed.
Let’s work together
Most introducer relationships start with a brief conversation or an initial client referral and develop naturally as we work together.
Discuss a case on WhatsApp
Harbour Home Finance Ltd
Brooke House, Oakley Hill, Poole, Dorset BH21 1RJ
Phone: +44 (0)1202 925365 Email: hello@harbourhomefinance.co.uk
Office Hours (flexible appointments outside these times)
Open today | 09:00 – 17:00 |
Harbour Home Finance Ltd an Appointed Representative of Connect IFA Limited which is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Services Register - https://register.fca.org.uk/s/ - under reference 1053423. The FCA do not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies. The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Your property may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice, the precise amount will depend upon your circumstances. Your Consultant will confirm the amount before you choose to proceed but we estimate it to be £1,495 or 1% of the loan amount. Harbour Home Finance is registered in England & Wales under number 17008189. Registered address Brooke house, oakley Hill, Poole, United KingdoM, BH21 1RJ. Not all services we offer are covered by the FCA. Commission disclosure: We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement. © 2026 Harbour Home Finance. All rights reserved.