Quantum Mortgages to enter specialist residential market

Quantum Mortgages has announced its launch into the specialist residential mortgage market, expanding its approach beyond buy-to-let and bridging finance.

A pilot launch with selected intermediaries will start in Q1 2026, shortly followed by a full rollout to the lender’s existing distribution base of network appointed representatives, directly authorised intermediaries, mortgage clubs and a small number of packager firms.

Quantum will offer a comprehensive range of specialist residential products designed for complex income profiles, self-employed & contract workers, those with less than perfect credit and those with significant adverse credit, looking to repair their credit profile.

The lender has secured an additional £1 billion funding facility from funds managed by global investment manager ABCarval, to run alongside its existing £1 billion buy-to-let facility. 

The new proposition will include opening access to affordable housing schemes such as shared ownership, equity loans and right to buy.

Harsha Dahyea, chief commercial officer at Quantum Mortgages, commented: "Our mission has always been to challenge the status quo in specialist lending. By entering the residential market, we’re bringing the same transparency, flexibility, and expert underwriting that have made us a trusted partner for landlords and brokers. This is a natural evolution for Quantum and a significant milestone in our growth journey.

“Our team has huge experience working in the specialist residential market, so it was only a matter of time before we added this to our proposition. Having far exceeded our expectations in specialist buy-to-let, it’s now time to bring our unique approach to the residential market to help aspiring homeowners who’ve been turned away by the banks, to secure their own home."