One thing you could do is to borrow more than you need, on a flexible deal which you could then repay the amount you didn't need. Northern Rock, off the top of my head, allow overpayments up to -£100 balance, without charging the repayment penalty. I don't know what their minimum loan is but it should be easy to see on their website.

Can't see why any lender WOULD specialise in small mortgages - simply not in their interest (sorry, bad pun - and unintentional!) to do so!

Personally I would always recommend that you find a decent mortgage broking IFA to get your advice from, they can research the market on your behalf, and weigh up all elements of your situation.

HTH