90% Right to Buy mortgage secured on a non-standard property

Clients faced repeated declines from high street lenders for a Right to Buy flat of non-standard construction above commercial premises, needing a mortgage at 90% of the discounted purchase price before their council offer expired. We found a solution with a lender and guided the case to completion, securing their home in time.

First charge bridge enabled a retirement property purchase

A client wanted to secure a rare retirement property while still selling her existing home. We arranged a first charge bridge on her current property to complete the purchase – once her home sold, she owned the new property outright, mortgage-free.

BTL refinance placed despite B2 EWS1 and affordability restrictions

A broker’s client needed to refinance a buy-to-let with a B2 EWS1 rating and required remedial works, both limiting lender options, plus higher-rate tax affordability restrictions. We found a lender willing to proceed on the valuer’s comments and secured a two-year fixed rate with a low product fee, enabling the client to increase the property’s […]

85% LTV second charge secured when a further advance wasn’t possible

When a broker’s clients were fixed into their current mortgage and couldn’t get a further advance for home improvements, we searched whole of market and found a lender offering 85% LTV on the best available terms for a second charge loan – completing before the deadline the clients needed.

90% LTV secured for first-time buyer clients

A broker’s clients had raised a deposit for their first home, targeting £420,000–£430,000 with a 10% deposit. We secured a 90% LTV mortgage that fit their budget, delivering a fast, straightforward outcome.

£150,000 second charge drawdown facility completed in 12 days

A client needed flexible funding for debt consolidation, home improvements and school fees, with speed a priority. Using our lender relationships, we secured a £150,000 second charge drawdown facility, with funds available on demand. Case completed in 12 days.

£80,000 second charge secured after a decline elsewhere

A broker approached us after their client had been declined elsewhere, with fluctuating income creating affordability challenges. By taking a detailed view of the client’s finances, we built a stronger case and secured an £80,000 loan – reducing monthly outgoings by nearly £800 and consolidating multiple debts into one manageable payment.

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