Mortgage Packaging for Brokers – Your Partner for Complex and Specialist Mortgage Cases

If you are a broker facing a tricky mortgage case, you know how challenging it can be to find the right lender, present the case properly, and achieve a smooth approval. Whether it is a client with complex income, adverse credit, a bridging need, or a non-standard property, you need specialist support that protects your client relationship and helps you secure the best possible outcome.

Connect Brokers offers mortgage packaging support, providing advisers with fast access to specialist lenders, accurate case assessment, and expert underwriting guidance. You remain in control of your client while we handle the heavy lifting behind the scenes, allowing you more time to focus on relationships and new business opportunities.

What Is Mortgage Packaging?

Mortgage packaging is a service that helps brokers submit complex applications to the right lender in the right way. A packager prepares the case, checks the documents, ensures the application meets lender criteria, and works closely with the lender’s underwriting team.

This service is especially valuable for cases involving:

• Self-employed or non-standard income

• Adverse or impaired credit

• Complex buy-to-let portfolios

• Specialist or intermediary-only lenders

• Bridging, refurbishment, and development loans

• Unusual property types

• Time-sensitive completions

With mortgage packaging support, brokers can reduce errors, avoid declined cases, and expedite approvals.

When You Need a Specialist Packager

You may benefit from a packager if your case involves:

1. Unusual or Multiple Income Sources

Clients with contractor income, day rates, self-employed accounts, retained profit, rental income, or overseas income often require specialist lender access.

2. Adverse Credit

If the client has missed payments, defaults, CCJs, or historic issues that most high street lenders decline, a packager can direct you to lenders with more flexible criteria.

3. Complex Buy to Let

For portfolio landlords, SPVs, HMOs, or multi-unit freeholds, specialist lenders often work only through approved packagers.

4. Bridging and Short-Term Finance

These cases require precise documentation, clear exit strategies, and fast turnarounds. Packagers know which lenders can move quickly.

5. Non-Standard Properties

This includes commercial, semi-commercial, unmodernised, or non-conforming structures where mainstream lenders are not suitable.

When a case has any of these characteristics, the right packager ensures the application lands with a lender who genuinely wants the business.

How Connect Brokers Works

Step by Step

We make the process simple and adviser-friendly:

Step 1: Submit Your Case

Please send us the basic details. Our team reviews the client’s profile, income, credit, and goals to identify the best possible route.

Step 2: Receive Expert Case Assessment

We ensure the case meets lender criteria, highlight potential issues, and confirm exactly what documents are required.

Step 3: Packaging and Preparation

We prepare the application, review documents, complete the necessary forms, and ensure the case is presented accurately.

Step 4: Lender Submission and Underwriting

We liaise with specialist lenders, work directly with their underwriting teams, and keep you updated at every stage.

Step 5: Completion and Support

You retain the client relationship. We support the case through to completion and guide future complex enquiries.

This process gives advisers confidence, speed, and clarity while maintaining complete ownership of their clients.

Benefits for Advisers and Clients

Real-World Case Study

How Mortgage Packaging Helped a Broker Secure a Complex Buy-to-Let Approval

A broker contacted Connect Brokers with a client who owned several rental properties through an SPV limited company. The case involved:

• Multiple income streams

• A large existing portfolio

• An HMO purchase

• Tight deadlines due to the seller’s onward chain

The broker had struggled to match the case with a suitable lender because the property had mixed usage and the client’s rental income appeared inconsistent on paper.

What we did:

• Reviewed the portfolio and rental accounts

• Identified a specialist intermediary-only lender with flexible affordability assessment

• Prepared the application and packaged all supporting documents

• Liaised with the underwriter to clarify income sources and HMO licensing

The lender issued a formal offer within a realistic timescale, and the case was completed successfully.

Outcome:
The broker retained their client, secured a competitive product, and gained confidence in handling future complex cases.

Additional Resources and Specialist Support for Brokers

Brokers who require more comprehensive support can explore our specialist packager for mortgage brokers’ services, which provides access to exclusive lenders and expert case preparation. We also offer wider adviser services, including packaging and referrals, that help both DA and AR advisers handle complex enquiries.

If you are considering long-term support through a network, you can also join the Connect Network, which provides brokers with compliance guidance and a strong lender panel. For clarity on earnings, our introducers and packaging commission table explains how commissions work across packaged cases. Directly Authorised advisers can also learn more about why DA brokers use mortgage packagers and how specialist support improves client outcomes.

JOIN CONNECT NETWORK

Thank you for reading our publication on “Mortgage Packaging for Brokers | Brokers Specialist Support” Stay “Connect“-ed for more updates soon!

 

FAQ – Mortgage Packaging for Brokers

Question	Answer
What types of cases benefit most from mortgage packaging	Cases involving complex income, adverse credit, portfolio landlords, HMOs, SPVs, bridging, or unusual properties benefit most.
Do I keep my client	Yes. You remain the client’s adviser at all times. We only support the packaging and lender communication.
How fast can a packaged case be processed?	It depends on the lender and case type, but correct packaging typically speeds up approval because underwriters receive everything they need from the start.
Do specialist lenders only accept applications through packagers	Many specialist and intermediary-only lenders work exclusively with approved packagers, so packaging gives you access to products you might not otherwise reach.
Will this affect my commission?	You receive your commission based on your agreement with us. Packaging allows you to complete complex cases you might otherwise decline, which increases your overall income opportunity.
Can mortgage packaging help with bridging finance	Yes. Accurate packaging is essential for bridging because lenders require clear exit strategies, valuations, and timescales.