# Business Description

Niche Advice Limited is an FCA-regulated mortgage broker based in Croydon that specialises in complex lending cases that high street lenders typically decline. Rather than offering cookie-cutter solutions, they provide whole-of-market advice tailored to non-standard borrowers and sophisticated property investors.

The firm serves diverse clientele: first-time buyers seeking competitive rates, self-employed professionals and contractors navigating stricter underwriting, individuals with adverse credit histories including CCJs and IVAs, and foreign nationals purchasing UK property. On the investment side, they advise landlords on buy-to-let mortgages, HMOs, limited company structures, large portfolios, holiday lets and expatriate investors.

What distinguishes Niche Advice is their focus on difficult cases. They handle scenarios mainstream lenders avoid—shared ownership schemes, council Right to Buy discounts, debt consolidation remortgages, and specialist SPV structures for portfolio landlords. Their whole-of-market approach means accessing rates across multiple lenders rather than pushing proprietary products.

The business combines regulatory credibility with genuine specialism. They offer online calculators and bridging loan solutions for time-sensitive transactions, alongside one-to-one adviser support. By positioning themselves as independent specialists rather than high street generalists, Niche Advice attracts borrowers with legitimate but unconventional circumstances—entrepreneurs, expats, those with patchy credit, and serious property investors optimising tax structures.