Case Studies

Featured case study

Securing a competitive high street mortgage with a past CCJ

When a past credit blip threatened to stall a family’s plans, our broker stepped in. From application to formal offer in just 12 days, we proved that the right expertise can turn a "no" into a competitive "yes."

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Right to Buy with a parent aged 70: a mortgage based on the son’s income

A mother aged 70 and her son bought their council flat under Right to Buy, with the mortgage based on the son's income and age.

Remortgage to add a partner visa holder, with one applicant on maternity leave

After their existing lender said no, a homeowner on maternity leave added their partner, a partner visa holder, to the mortgage.

Debt consolidation remortgage with an active debt management plan

Two applicants with an active debt management plan remortgaged to consolidate debt with a specialist lender, with a plan to review in two years.

Self-employed first-time buyer: a 95% mortgage with a thin credit file

A sole trader buying a first home with a 5% deposit and a thin credit file had a mortgage offer eight days after applying.

Buying a four-bed HMO through a limited company with family shareholders

An existing landlord bought a four-bed HMO through his limited company and added his children as shareholders, without narrowing his choice of lenders.

Moving from a specialist lender to the high street, with one applicant on maternity leave

Two returning clients left a specialist lender's high rate for a five-year fix, despite maternity leave, a new job and an early repayment charge.