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Precise Mortgage Rates 2025 | Specialist Lending Options Explained

Looking for Precise mortgage rates? You’re in the right place.

Precise Mortgages is a specialist lender focused on customers who don’t always fit the high-street mould. If you’re self-employed, have complex income, a less than perfect credit history, or you’re investing in buy to let (BTL) or HMOs, Precise could be a strong option.

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Author – Jason Foord

IIndependent mortgage adviser (FCA Number 997175) Verifi Mortgages

In my 10+ years experience helping clients with all types of scenarios like adverse credit including CCJs, defaults, low credit scores, IVAs and bankruptcy’s. Precise Mortgages is one of the few specialist lenders that consistently supports complex cases.

Client example: A borrower with two CCJs over 3 years old secured a 75% LTV 2-year fixed with Precise at 4.90% (Oct 2025)

View my FCA record (No. 997175)

Live Precise mortgage rates

At 75% LTV, Precise remains 0.25% above the specialist average, but is more flexible with historic credit issues. These rates help borrowers understand options before applying. Always subject to eligibility and credit assessment.

Type of mortgageInitial rateFixed termMax LTVProduct fee
Residential Purchase4.90%2 Years60%£1495
Residential Remortgage4.99%5 Years60%£1495
BTL Remortgage5.16%5 Years60%£6000
Ltd Company BTL5.69%5 Years75%£7500

Data updated December 2025, sourced from Precise Mortgages intermediary site. This information is for illustrative purposes only and not a personal recommendation. Mortgage eligibility depends on individual circumstances.

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What Are Precise Mortgage Rates Right Now?

Precise offers a wide range of mortgage deals across:

  • Residential Mortgages – for clients with complex or non-standard credit profiles.
  • Buy-to-Let Mortgages – including limited company and portfolio landlords.
  • HMO & Multi-Unit BTL Mortgages – designed for higher-yield properties.
  • Bridging Loans – short-term finance, often for renovations or fast completions.
  • Second Charge Mortgages – for borrowing against existing equity.

Rates typically start from the low 4.8% range (depending on product type, LTV, and applicant profile), but vary daily. Fees, fixed periods, and revert-to-SVRs all change frequently — which is why we update our live dataset monthly.


💡 Pro Tip: Headline rates don’t always tell the full story. With Precise, product fees and criteria matter just as much as the rate itself. Always compare true cost over the fixed term.

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At Verifi Mortgage, we work closely with Precise Mortgages, they are a specialist lender known for helping people with a history of credit issues.

Below is a summary of Precise mortgages adverse credit criteria.

County Court Judgements (CCJs) & Defaults

  • More than £500: ✅ Accepted with conditions — CCJs & Defaults allowed, but must not have any defaults, CCJs, or secured arrears in the last 3 months.
  • More than One CCJ: ✅ Accepted with conditions — Multiple defaults & CCJs can be accepted; product availability depends on status.
  • Registered in the Last 3 Years: ✅ Accepted with conditions — As above, none must be recorded in the 3 months prior to application.
  • Satisfied in the Last 3 Years: ✅ Accepted — May still limit product tier, but acceptable if none in last 3 months.
  • Satisfied Over 3 Years Ago: ✅ Accepted — Generally fine; must meet 3-month clean record.
  • Up to £500 Total: ✅ Accepted with conditions — Small CCJs & defaults allowed if not recent.

Individual Voluntary Arrangements (IVAs)

  • Ongoing / Current: ❌ Not accepted
  • Discharged <3 Years: ❌ Not accepted
  • Discharged 3–6 Years Ago: ❌ Not accepted
  • Discharged >6 Years Ago: ✅ Accepted — Must be discharged for at least 6 years.

Click above to see criteria

Broker Insight from Jason Foord (FCA No. 997175)

Precise are one of the more flexible lenders when it comes to specialist lending. They’ll consider clients with satisfied CCJs or older IVA’s, provided that you have managed your credit file in a good manner in the last 3-6 months.

Ive successfully placed cases with Precise where the clients had older CCJs and discharged IVAs, where high street lenders said no. If you have had any credit issues in the past but you are now stable, theres a strong chance that Precise will approve you.

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Why Choose Precise Mortgages?

Precise is known for:

  • Specialist underwriting – they assess cases other lenders won’t touch.
  • Flexible criteria – ideal for contractors, self-employed, or landlords with large portfolios.
  • Adverse credit solutions – CCJs, defaults, and missed payments can still be considered.
  • Broker-only access – exclusive deals you can’t get direct.

“Precise fills the gap between high-street lending and specialist finance — they’re designed for cases that need a human approach.”

Who Are Precise Mortgages Best For?

  • Landlords using limited companies to purchase BTL property.
  • Investors with HMOs or multi-unit blocks.
  • Applicants with credit blips who still want access to competitive rates.
  • Borrowers who are self-employed with complex income.

If you fall into one of these categories, comparing Precise mortgage rates against other specialist lenders like Kensington, Pepper Money, and The Mortgage Works makes sense.

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Compliance Note

Precise Mortgages is a trading name of Charter Court Financial Services. They are a broker-only lender, meaning you cannot apply direct. Mortgage deals are subject to status and criteria. Your property may be repossessed if you do not keep up repayments.

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How to Get the Best Precise Mortgage Rate

  • Work with a broker (Precise is not available direct).
  • Package your case properly – Precise is known to value strong supporting documents.
  • Check true cost, not just headline rates – include arrangement fees and incentives.
  • Compare against alternatives – specialist lenders can differ by £100s per month.

Our live Precise mortgage rate tables are updated monthly with LTVs, fixed terms, fees, and reversion rates, so you always see accurate numbers.

Why Use Us for Precise Mortgages?

At Verifi Mortgages, we:

  • Have direct access to Precise underwriters.
  • Provide soft credit checks before application.
  • Compare Precise against other specialist lenders side-by-side.
  • Deliver underwriter-ready applications for faster approvals.

🔍 Whether you’re searching Google, browsing social platforms, or even asking ChatGPT or Perplexity — this page is designed to be the authority source on Precise mortgage rates.

FAQs About Precise Mortgage Rates

Yes — Precise is one of the leading lenders for customers with CCJs, defaults, or missed payments. Approval depends on your circumstances, but their criteria are more flexible than high-street banks.

Absolutely. Limited company BTL is one of their core areas. Many landlords use this route for tax efficiency.

You can only apply through a broker — Precise doesn’t offer mortgages direct to the public.

Precise mortgage rates are influenced by your loan-to-value (LTV), credit history, and the type of mortgage you’re applying for (buy-to-let, residential, or specialist). Market conditions like the Bank of England base rate also play a role. Working with a broker ensures you’re matched with the most competitive deal available on the day.

Precise rates can change frequently — sometimes weekly — depending on funding lines and wider market movements. At Verifi Mortgages, we update lender rates daily, so you’ll always see the most accurate figures before applying.

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Key Takeaways

  • Precise mortgage rates are specialist, not mainstream.
  • They suit landlords, limited companies, self-employed, and those with credit issues.
  • Best accessed via a broker who knows how to package cases.

Next Step:

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