Crystal Specialist Finance

Crystal Specialist Finance Crystal Specialist Finance is a leading packager in the mortgage and finance sector. Crystal takes its responsibilities to the industry very seriously.

An award-winning Specialist Finance distributor of Commercial Finance, Bridging Loans, Complex Buy to Let, Second Charge Loans, Development Finance and Specialist Residential Mortgages Our exceptional service, high success rates with complex mortgage cases, and flexibility in deal structuring make us an invaluable resource for brokers handling the toughest and most challenging cases nationwide. Cr

ystal has built strong relationships with over 100 specialist lenders over the past 40 years. Our extensive lender panel, coupled with exclusive and semi-exclusive product offerings, allows us to provide tailored solutions for the most difficult applications. This results in impressive turnaround times, often when high street banks and building societies have failed. We specialize in a wide range of finance products, including short-term bridging loans, commercial mortgages, complex buy-to-let deals, development loans, second charge lending, and non-standard residential mortgages. We can also provide general insurance and protection solutions, all without charging upfront application fees. Crystal offers both packaged and referral services, giving brokers the flexibility to choose the path that best suits their needs. Brokers can stay in control of a case from start to finish, with excellent support from our dedicated underwriters and lending case managers. Alternatively, they can leave the entire process to us by providing their client's contact details. When it comes to bridging finance, Crystal is committed to providing the best deals. We guarantee to beat any non-regulated bridging quote on a like-for-like basis, and our record for completing a bridge is just 8 hours! We provide extensive educational resources through our website and social media channels, including highly praised webinars that offer unstructured CPD for all attendees. Furthermore, we are proud to be the first founding member of the Mortgage Industry Mental Health Charter, demonstrating our commitment to prioritizing the wellbeing of our staff. As a market leader, Crystal continues to set the pace for mortgage distribution services in the specialist finance sector. We are always here to help brokers find the best solutions for their clients. To learn more about our people and products, please visit our website www.crystalsf.com or email us at [email protected]. We look forward to hearing from you!

[FOR INTERMEDIARY USE ONLY]

They can look similar at first glance, but they are not the same type of case 🏠🏢A HMO usually involves multiple occupier...
08/09/2026

They can look similar at first glance, but they are not the same type of case 🏠🏢

A HMO usually involves multiple occupiers sharing facilities, while a MUFB is made up of self-contained units. A HMO needs licensing, an MUFB does not require any licensing.

That difference can affect how the case is viewed and placed, so it is worth spotting early. 🔍

For Intermediaries Only.

A client who becomes a landlord after inheriting a property can be very different from someone buying a property specifi...
04/09/2026

A client who becomes a landlord after inheriting a property can be very different from someone buying a property specifically as an investment 👀🏡

If they did not originally intend to run a property business, the case may fall under Consumer Buy to Let 🔍

That distinction can affect how the case needs to be approached and placed, so it is worth identifying early in the conversation 📋

For Intermediaries Only.

Summer holidays are wrapping up, inboxes are filling again and September is about to get busy 😅Whether you have a case t...
02/09/2026

Summer holidays are wrapping up, inboxes are filling again and September is about to get busy 😅

Whether you have a case that needs placing, criteria that needs checking or something a little more complicated sitting on your desk, the Crystal team is here to help.

Back to business. Let’s get those cases moving. 💎

For Intermediaries Only.

Not every specialist finance opportunity starts with a client asking for specialist finance 👀Sometimes it starts with:🏡 ...
01/09/2026

Not every specialist finance opportunity starts with a client asking for specialist finance 👀

Sometimes it starts with:
🏡 “We’re thinking of renovating before we sell.”
🔑 “We’ve found another investment property.”
💷 “I don’t want to lose my current fixed rate.”
📋 “My bank has turned me down.”

Our latest article looks at 10 specialist finance opportunities brokers could be overlooking and the conversations that may uncover them.

Read the full article here 👇

https://crystalsf.com/resources/blogs/all-blogs/specialist-finance-blogs/10-specialist-finance-opportunities-you-re-probably-missing/

For Intermediaries Only.

28/08/2026

A well packaged case can make a big difference to how smoothly it moves 📂

In this webinar, Dan Morris from Crystal Specialist Finance and Kara Williams from Together discuss the importance of packaging, and how presenting a quality case from the start can mean fewer questions, better service and quicker conversions.

Watch the full webinar for here 👇

https://r1.dotdigital-pages.com/p/7MGG-KSV/sign-up-to-crystal-marketing-tog-webinar-july

For Intermediaries Only.

The purchase price might not be the only funding your commercial client needs to think about 👀Where VAT is payable on a ...
26/08/2026

The purchase price might not be the only funding your commercial client needs to think about 👀

Where VAT is payable on a commercial property purchase, it can create an additional funding requirement at completion.

Crystal can also help brokers explore VAT bridging finance where appropriate.

One more reason to look at the whole transaction, not just the mortgage.

For Intermediaries Only.

24/08/2026

The specialist finance market has changed.

Clients are looking for more reassurance around their deals and greater certainty on whether a case can actually proceed 👀

In this webinar, Dan Morris from Crystal Specialist Finance and Kara Williams from Together discuss how the specialist market is evolving and what brokers are seeing from clients today.

Watch the full webinar here 👇

https://r1.dotdigital-pages.com/p/7MGG-KSV/sign-up-to-crystal-marketing-tog-webinar-july

For intermediaries Only.

When people hear second charge, they often think of a homeowner raising funds against their main residence.But that is n...
21/08/2026

When people hear second charge, they often think of a homeowner raising funds against their main residence.

But that is not the only type of property that may be considered 👀

Depending on the case and lender criteria, second charge finance may also be available on buy to let and commercial properties.

Worth remembering when a client needs to raise funds and there is already a first charge in place.

Got one on your desk? Run it by Crystal.

For Intermediaries Only.

The total facility is only one part of a development finance case 🏗️Funding may be released in stages as work progresses...
19/08/2026

The total facility is only one part of a development finance case 🏗️

Funding may be released in stages as work progresses, so the build programme and cost schedule need to line up with the proposed drawdowns.

Before placing the case, it helps to understand the client’s experience, the scale of the works, how each stage will be funded and the planned exit.

The clearer the funding journey is from the start, the easier it is to identify lenders whose approach may suit the project 🔍

Got a development case that needs a closer look? Speak to Crystal.

Meet Emma Burleigh, one of our Senior Underwriting Assistants 👋Emma works alongside our underwriters, helping with case ...
17/08/2026

Meet Emma Burleigh, one of our Senior Underwriting Assistants 👋

Emma works alongside our underwriters, helping with case information and supporting cases as they move through the assessment stage.

She helps make sure the necessary details are in place so brokers receive clear updates and next steps.

Great to have you in the team, Emma! 💎

For Intermediaries Only.

Address

Tamworth
B783LZ

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm

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