Quantum Mortgages, the award-winning specialist lender, is to launch into the specialist residential mortgage market, expanding its innovative approach beyond buy-to-let and bridging finance.
A pilot launch with selected intermediaries will start in Q1 2026, followed soon after by a full rollout to the lender’s existing distribution base of network appointed representatives, directly authorised intermediaries, mortgage clubs and a small number of packager firms.
Building on its reputation for flexibility and common-sense underwriting, Quantum Mortgages will offer a comprehensive range of specialist residential products designed for complex income profiles, self-employed & contract workers, those with less than perfect credit and those with significant adverse credit, looking to repair their credit profile.
The lender has secured an additional £1 Billion funding facility from funds managed by global investment manager ABCarval, to run alongside their existing £1 Billion Buy to Let facility, providing the certainty of funding to meet Quantum’s aim of being a leading specialist lender in the UK.
The new proposition aims to address the growing demand for bespoke mortgage solutions in an evolving housing market and will include opening access to affordable housing schemes such as shared ownership, equity loans and right to buy for aspiring homeowners who have been previously unable to access these opportunities because they don’t fit high street lending criteria.
Harsha Dahyea, Chief Commercial Officer at Quantum Mortgages, commented,
“Our mission has always been to challenge the status quo in specialist lending. By entering the residential market, we’re bringing the same transparency, flexibility, and expert underwriting that have made us a trusted partner for landlords and brokers. This is a natural evolution for Quantum and a significant milestone in our growth journey.”
“Our team has huge experience working in the specialist residential market, so it was only a matter of time before we added this to our proposition. Having far exceeded our expectations in specialist Buy to Let, it’s now time to bring our unique approach to the residential market to help aspiring homeowners who’ve been turned away by the banks, to secure their own home.