It may be easy getting one of these mortgages, but it is dependent on your personal circumstances. If you have a very complex situation, it may be harder to find you the right product for your needs. Interest rates may also be higher, to lower the risk to the lender. As a specialist broker, we only deal with customers who are unable to get accepted on the high street. Therefore, we are used to handling difficult cases, so we may have an option that works.