Applying for a mortgage through a lending company, you can enjoy a higher loan-to-value (LTV) ratio and faster and simpler application procedure. Lenders who are not eligible to apply for mortgage through a bank, such as self-employed persons, and persons who have no income proof or have non-regular income, may try to apply for a home loan through a lending company. Besides, lending companies usually accept various types of properties, including single block buildings, tenements, village houses, etc.