Compare Mortgage Rates from Quantum Mortgages Against the Market

Quantum Mortgages is a UK-based specialist lender, not to be confused with Quantum Mortgage Corporation (USA) or Quantum Finance (Australia).

Quantum Mortgages describes itself as a lender for "common sense" solutions. They were founded to push back against the automation of the mortgage market. While most banks rely on algorithms for decision-making, Quantum Mortgages focuses entirely on manual underwriting.

You can use our free mortgage comparison tool below to compare products from Quantum Mortgages against other lenders:

About Quantum Mortgages

Launched in 2022, Quantum Mortgages is a specialist Buy-to-Let (BTL) lender. They do not offer residential mortgages for you to buy a home to live in.

Their philosophy is built on the belief that experienced landlords often have complex lives that don't fit into a standard credit scorecard. By using human underwriters to review every case, they can lend on properties and to borrowers that high-street banks typically reject.

Mortgage & Finance Products

Quantum Mortgages focuses exclusively on the Buy-to-Let market in England, Wales, and Northern Ireland.

• Specialist Buy-to-Let:

  • Complex Properties: They are experts in properties that fail standard valuations, such as deck access and high-rise flats (no height limit), studio flats (min 30sqm), and properties above/adjacent to commercial premises, even takeaways and pubs

  • HMOs & MUFBs: Finance for Houses in Multiple Occupation (up to 12 rooms) and Multi-Unit Freehold Blocks (up to 12 units)

  • Ex-Local Authority: They are very open to lending on former council flats and houses, even where there is a high percentage of local authority ownership in the block

• Borrower Types:

  • Foreign Nationals & Expats: They lend to UK nationals living abroad and foreign nationals investing in the UK

  • Limited Companies: They lend to SPVs (Special Purpose Vehicles) and trading companies

  • First-Time Landlords: They accept new landlords, provided they are homeowners

  • Adverse Credit: As manual underwriters, they can take a view on borrowers with historic credit issues (CCJs/Defaults), provided there is a good explanation

• Green Boost:

  • They offer a unique "Green mortgage" product where, if your property has an EPC rating of A, B, or C, you may be eligible for a higher Loan-to-Value (LTV) or better rates

Pros and Cons of Quantum Mortgages

Here is a balanced overview of choosing Quantum for your investment finance:

Pros:

• Manual Underwriting: Every case is assessed by a human

• Northern Ireland Lending: Unlike many specialist lenders who stick to the UK mainland, Quantum actively lends in Northern Ireland

• Property Flexibility: If you are buying a flat with deck access (balcony access) or near a commercial unit, Quantum is one of the few lenders who will consider it

• No Credit Scoring: They check your credit file to see your history, but they do not use a rigid "scorecard" to make the final decision

Cons:

• Intermediary-Only: You cannot apply directly. You must use a mortgage broker to access their products

• Cost: As a specialist lender taking on higher risks, their interest rates are typically higher than high street lenders

• Buy-to-Let Only: They cannot help you with a residential mortgage

Customer Service and Reviews

As a relatively new lender (launched 2022) that deals only with brokers, direct consumer reviews are scarce.

• Broker Feedback: In the mortgage industry, they have quickly built a strong reputation for "doing what they say." Brokers appreciate having direct access to underwriters to discuss a case before submitting it

• Service Style: They are known for being pragmatic. If a valuation report throws up a minor issue, they are more likely to look for a solution than to withdraw the offer immediately

How to Apply

They are an intermediary-only lender. You cannot apply for a mortgage directly with them; you must use a professional mortgage broker.

Through a Broker: You must use an independent mortgage broker. It is highly recommended to use one who specialises in Buy-to-Let or Expat finance. Get started to speak with one of our experts who will happily act on your behalf