Specialist lending has always required judgement, but several case types now seem to sit in a shrinking window of acceptance — complex income, contractors, adverse, later-life residential, foreign nationals and small deposit portfolios among them.
To focus the discussion:
- Which specialist case profiles are you finding hardest to place at the moment?
- Where has criteria tightened in ways that surprised you?
- Which lenders are still writing genuinely useful specialist business?
Anonymise any case examples and avoid identifying clients. General patterns are more valuable than one-off anecdotes.
This thread is an editorial prompt from Adviser Forum. Please answer from your own experience rather than on behalf of the profession, avoid presenting any response as regulatory or legal guidance, and strip out any detail that could identify a client, a case or an individual member of staff.