At Your Spec, we know that finding the perfect property or planning a new development is only half the journey—securing the right funding is just as critical. That’s why we have proudly partnered with Horizon Finance.

Together, we provide impartial, expert mortgage and financial advice designed to guide you through every step of your property journey. From first-time homebuyers to experienced property developers, our collaboration ensures you receive clear, honest guidance and access to a comprehensive suite of market-leading financial products.

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Residential & Investment Mortgages

Finding the right loan doesn’t have to be complicated. We simplify the process, cut through the jargon, and support you from application to completion.

Whether you are buying your first home or looking to remortgage your current one, we find flexible terms (typically between 5 and 40 years) tailored to your circumstances. We will help you choose between the two primary repayment paths:

  • Capital & Interest (Repayment): Your monthly payments pay off both the interest and a slice of the loan itself, ensuring your debt shrinks monthly and you own the home outright at the end of the term.
  • Interest-Only: Your payments only cover the interest charges. This keeps monthly costs lower and is ideal for sophisticated investors with an established, credible plan to repay the lump sum at the end of the term.

Investing in a rental property is effectively running a small business. Lenders view these as higher risk, but we navigate the stricter criteria to help you secure the right financing to grow your property portfolio.

If you are investing in a short-term vacation rental (like an Airbnb or a holiday cottage), traditional mortgages won’t fit because income fluctuates seasonally. We provide specialized holiday let solutions that account for these unique income streams.

Specialist & Project Finance

If you are working with Your Spec to build, renovate, or rapidly acquire property, these specialised short-term and development products offer the ultimate flexibility.

Perfect for ground-up custom builds or major property conversions. Rather than receiving a lump sum, this utilizes a staged drawdown model.

  • How it works: Funds are released in tranches as construction milestones are hit and verified by a monitoring surveyor.
  • Key Benefits: Features “rolled-up interest” to protect your cash flow during construction (no monthly payments during the build), with funding typically covering up to 60%–70% of the Gross Development Value (GDV) and up to 80%–90% of the Loan to Cost (LTC).

A fast, short-term funding solution designed to “bridge” a temporary financial gap. It acts like a sprint rather than a marathon, usually lasting weeks or months.

  • Common uses: Breaking a property chain so you don’t lose a dream home, financing an auction purchase within tight 28-day windows, or buying an uninhabitable “fixer-upper” to renovate and later refinance.
  • Available as a Closed Bridge (fixed repayment date) or Open Bridge (flexible timeline with a clear exit strategy).

If you need to raise a large sum for major home improvements, renovations, or a deposit on an additional property, you don’t always have to remortgage. A Second Charge Mortgage allows you to keep your primary mortgage exactly as it is.

  • This is highly beneficial if your current mortgage has massive Early Repayment Charges (ERCs) or if you are locked into a historically low interest rate that you don’t want to lose.

Later Life Lending & Equity Release

Lifetime Mortgages & Equity Release

Unlock the tax-free wealth tied up in your home without having to move. Secured against your property, a lifetime mortgage doesn’t require monthly repayments—the interest rolls up over time and the loan is repaid when the home is eventually sold (typically when you pass away or move into permanent care).

Protection, Wills & Estate Planning

Securing your property or development is only complete when you protect the people who matter most. Through Horizon Finance and their network of trusted specialist partners, we offer comprehensive advice to safeguard your lifestyle and legacy.

Life Insurance: Providing a vital financial safety net to ensure your mortgage is fully paid off if the unexpected happens.

Critical Illness Cover: A tax-free lump sum paid upon diagnosis of a serious condition, letting you focus on recovery without financial stress.

Income Protection: Replaces a significant portion of your earnings if you are unable to work due to illness or injury.

b: Essential coverage to safeguard your company’s continuity and asset value.

Expert guidance on drafting comprehensive Wills and establishing family Trusts to shield your hard-earned wealth and ensure your assets reach the right people.

Ready to explore your finance options?

Whether you have a specific project in mind, are ready to buy, or just want to have an initial chat about what is possible, we are here to help.

Book a consultation directly in our diary Alternatively, get in touch with the Your Spec team today to discuss your requirements.

Book a time in our diary to discuss your options!

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