CASE STUDY
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, and client profiles, we identified a lender that matched their needs and completed the process quickly and smoothly.
The couple were first-time buyers looking to purchase their first home in the UK. They had found a modern studio flat with a balcony—a property that immediately limited their options, as many lenders have restrictions around size and type. They also needed to borrow at 90% LTV, which narrowed the field further.
Given their mixed residency statuses—non-UK nationals with varying immigration statuses—they needed a lender that would take a flexible yet informed approach.
This case combined three complicating factors:
Many lenders would have declined on one or more of these grounds. The challenge was to identify a provider whose criteria aligned perfectly—and to ensure the application was packaged and presented correctly to avoid delays.
Referred through an employee benefits partnership, the clients were introduced to us as part of their workplace’s mortgage support programme.
We took the time to understand their goals, circumstances, and what this purchase meant to them. We then explored the market in detail—matching their profile against lender criteria to find the right fit. The solution:
By staying close to the process from start to finish, we ensured the application met every technical requirement—resulting in a smooth approval and on-time completion.
What made the difference, in this case, wasn’t just access to lenders—it was the ability to interpret complex criteria and align them with the clients’ goals. We delivered a personalised, efficient service that gave these first-time buyers the confidence and clarity they needed to make their first step onto the property ladder.