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Our client, who approached us via our staff mortgage scheme, was navigating the complex process of buying a new home while still owning their current property. We helped them achieve significant savings on their monthly mortgage payments thanks to our personalised approach.

Balancing demanding careers with aspirations for home improvements can be challenging for many professionals, let alone managing the logistics of financing the project. This was certainly true for our clients. But we are thrilled to share that with our support, they secured the necessary finances to transform their home into their dream space. Explore how we completed a strategic remortgage to help our clients achieve their goal.

Winning a property at auction can be exhilarating, but securing financing for a fast-tracked purchase can be a logistical nightmare. This was the situation for one of our recent clients. They faced a common scenario: needing a short-term solution to complete the auction purchase followed by a swift exit from the high-interest bridging loan.

We proactively monitored fluctuating rates and informed the couple of more favourable options on five separate occasions. This secured a significant reduction in their interest rate, saving them £13,920 over the fixed mortgage term, making their dream family home a reality.

The client’s application presented a unique challenge as it involved four different income streams. To maximise their borrowing capacity, we selected a lender that considered both applicants’ salaries and net profit at 100%, resulting in a higher lending amount.

We successfully helped our client transfer his buy-to-let property into his wife’s name, capitalising on her nil-rate taxpayer status. Despite her lack of earned income, we secured a lender for the required amount. Through a referral to a tax adviser, we found an effective solution for a concessionary purchase. We not only helped our client achieve their initial objective but also minimised their tax costs from day one.

Leveraging our in-depth understanding of the client’s income structure, we engaged in a detailed discussion with the bank, which enabled them to adopt a holistic view of the case.

Despite encountering some obstacles, we were able to provide our client with the necessary support to obtain the full loan amount they required. Additionally, we facilitated a swift completion to avoid any potential exposure to their lender’s Standard Variable Rate (SVR).

Drawing on our extensive knowledge of the self-employed lending market, we were able to help our client secure their home without any unnecessary delays. We took the time to understand the nuances of our client’s income to present the best possible case to the lender.