Education Hub

CASE STUDY Case Overview When the right property becomes available, acting quickly can make all the difference. In this case, we arranged short-term bridging finance to help a client secure their ideal countryside home—without needing to sell their current London property or lose access to a market-leading mortgage rate. By structuring the deal strategically and […]

CASE STUDY Overview For first-time landlords and developers, navigating auction purchases can be a steep learning curve. In this case, we supported a client purchasing their first buy-to-let property via auction—securing a bridging loan at 75% LTV, despite market volatility, a challenging valuation, and tight time constraints. Our proactive involvement ensured the initial loan was […]

CASE STUDY Overview Navigating the mortgage market as a first-time buyer can be daunting—especially when buying a non-standard property and dealing with complex residency statuses. In this case, we secured a 90% loan-to-value mortgage for two non-UK nationals purchasing their first home: a studio flat with balcony access. Despite the challenges around property type, LTV, […]

Strategic Mortgage Solutions for Complex Financial Needs Securing the right mortgage requires more than just meeting affordability criteria—it demands a strategy that aligns with your broader financial objectives. For individuals with non-traditional income structures, navigating lender requirements can be challenging, particularly when standard affordability models do not accurately reflect financial strength. At Henry Dannell, we […]

CASE STUDY Overview When planning a self-build project, clarity around financing options is crucial. Our client, a UK-based Head of AI at a leading tech firm, set out to demolish and rebuild his home using sustainable materials. He sought our assistance to help structure a mortgage facility that matched both the ambition and complexity of […]

The rising trend in borrower preferences seeking greater flexibility In recent years, tracker mortgages have been prevalent among borrowers seeking greater flexibility during uncertain economic times. A recent analysis by Quilter reveals a 67% increase in the uptake of these mortgage deals since 2021. This data, derived from a Freedom of Information request to the […]

Mortgages tailored for newcomers to the property market For many, stepping onto the property ladder is a thrilling venture filled with excitement and apprehension. Navigating this milestone can be daunting, but first-time buyers can proceed confidently with careful financial preparation. First-time buyer mortgages are tailored for newcomers to the housing market. Lenders often entice potential […]

Each lender has its own criteria and methods for evaluating your application The mortgage landscape can seem daunting, particularly when understanding the role of credit scores. Unlike what some may assume, there isn’t a singular credit score required for securing a mortgage. Instead, lenders assess your creditworthiness by calculating a score based on various factors, […]

Q1: Can I use my accounts before my tax returns are finalised? Yes. Some lenders rely on finalised tax calculations (SA302s), but others will accept finalised sole trader accounts from your accountant. This flexibility allows barristers to present a more accurate income picture and maximise borrowing potential. Q2: Can I secure a mortgage based on […]