Bespoke Home Loans

Residential Home Mortgage is not the only option for buying your primary residence. Some 14% of tenants are spending more than half of their total income on rent in stark contrast to just 2% of home owners spending that amount on their mortgage, according to the study from the Local Government Association (LGA) - July 2017.


We offer a variety of creative home loan packages that allows homeowners who fall short of the banks' strict lending criteria to borrow money against their homes. Our options include both regulated and unregulated but legal options.

• Integrated Home Loans include (without limitation):

- Rent to Buy

- Rent and Buy

- Seller Financing

- Developer Payment Plans

- Porting to a regulated residential mortgage 



• DCL home loans is an integrated solution for the mostly overlooked prospective home buyers, who may not qualify for a traditional home mortgage or for a declined application, for reasons not limited to:

- Poor credit history

- Not registered to vote

- Too many credit applications

- Too much debt

- Payday loans on your credit file

- Administration errors

- Not earning enough

- Not matching the lender’s profile

- Small deposit

- Self-employed or a contract worker

- Lived in the UK for less than three years



• Which properties/homes qualify

You can currently only buy a home from any of our in-house partners (with many being priced at levels affordable for many families), either:

- Property Sultan (New Build Homes - incl off-plan and self-build options), or

- The Property Portfolio Builder (Both New Build Homes & Second Hand Homes)


Any property used as security, which may include your home and/or business assets may be repossessed if you do not keep up repayments on your loan, or any other debts secured on it.

Useful Information

The FCA does not regulate some forms of buy to lets, commercial mortgages, secured loans, unsecured loans, bridging loans, trusts, agricultural loans, overseas mortgages, and conveyancing or debt management. Our lending to limited companies, incorporated partnerships and unincorporated partnerships of three or more is not regulated by the FCA.
Not being regulated by the FCA means that we can make our own lending decisions (incl creative credit options). All loan agreements are still subject to UK Laws and UK Courts.
Kindly read all our Terms and Conditions (T&Cs) carefully before you sign any Loan Agreement. If you do not understand our loan contract terms & conditions, invest in the services of a solicitor before you sign.
Your use of this website and/or services constitutes acceptance of our T&Cs.
If you disagree with our T&Cs and How We Operate, please don't use our lending services.

Before You Apply

You should not apply for a loan amount that you cannot comfortably afford to repay now and in the future to avoid the possibility of legal action.
It is an offence to knowingly give false, inaccurate or misleading information when applying for a loan. If you give such information, you may face criminal prosecution and/or civil action for the recovery of any losses incurred by us.
Any property used as security, which may include your home or pensions and/or business assets, may be repossessed if you do not keep up repayments on a loan or any other debts secured on it. | Our Repayment Assistance Programme is, however, available to qualified borrowers only.
Note: As part of our KYC and anti-fraud checks, you cannot email us from any of the free mail providers accounts as a business, including but not limited to gmail, hotmail, or yahoo. You are advised to send us an email from the email of your business or company website. If you are borrowing as a business and you don't have a website, we can't deal with you. Learn more.