The client wanted to secure a rare retirement property while still selling her existing home.

We arranged a first charge bridge on her current property, allowing her to complete the purchase. Once her home sold, she owned the retirement property outright and was mortgage-free.

She was extremely happy to secure the home she always wanted.

After many years of renting, clients had raised enough deposit to purchase their first home.

Clients ideally wanted to look at purchase prices in the range of £420,000-£430,000 with a 10% deposit.

We were able to secure a mortgage with a lender at 90% LTV for the lending amount required, meaning that the clients were able to purchase their dream home.

Clients were looking to make home improvements, but were fixed in on their current mortgage product, and unable to get a further advance.

We searched whole of market and found that West One Loans were offering 85% LTV and the best terms for a second charge loan based on their clients’ circumstances.

The clients were delighted as it meant they were able to complete their home improvements before the New Year.

Our client’s fixed rate buy-to-let mortgage was ending, and he needed to refinance. However, the property’s B2 EWS1 rating and required remedial works meant lender options were very limited. As a higher-rate taxpayer, his affordability assessment was also restricted.

After researching the whole market, we found a lender willing to proceed based on the valuer’s comments.

We secured a two-year fixed rate with a low product fee, enabling the client to increase the property’s monthly rental.

The client was delighted with the outcome.

Clients needed to consolidate debt after a property refurbishment, but their lender declined due to the amount required and the level of consolidation.

After whole-of-market research, Pepper Money UK provided a second charge mortgage covering the full amount at the best rate.

Clients were very happy with the outcome as it allowed them to reduce their monthly outgoings by £1,300.

Clients wanted to consolidate substantial unsecured debt, including historic adverse, to reduce monthly outgoings and improve their credit profile for a future remortgage.

After whole-of-market research, West One Loans offered the most competitive secured loan rate for their circumstances.

We secured a 7.29% rate and, thanks to West One’s updated automated valuation criteria, no valuation costs were required.

The clients were delighted – with lower outgoings, more disposable income, and the ability to take their first family holiday in over ten years.