Case studies

Mortgage for client who has just started a new job

Adviser: Anna Thompson Purchase price: 410000 Loan: 328000 Arrangement Fee: 999 Rate: 1.44 Term: 15 years My client had just moved to a new job, starting the same day her offer was accepted on her property. She was yet to … Continue Reading

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Clients with complex interest looking for interest-only mortgage

Adviser: David Ward-Smith Purchase price: £3.55m Loan: £3,017,500 Arrangement Fee: £30,175 Rate: 2.99% 5 Year Fixed Rate Term: 25 Years My clients had been renting for a couple of years having sold a property previously. Due to the complex nature … Continue Reading

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Debt consolidation with a high loan-to-value

Adviser: Louise Kelleher Value: £300,000 Loan: £40,000 Further Advance Arrangement Fee: £0 Rate: 2.84% Loan to Value: 85% overall Term: 20 years My clients came to me in desperation to help them to consolidate some of their debts. They had … Continue Reading

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New build property with purchase restrictions

Adviser: Luke Smith Value: £329,000 Loan: £289,000 Arrangement Fee: £999 Rate: 1.35% Term: 35 years My clients are first time buyers looking to buy a new build flat in London. The property was surrounded by commercial developments, and they were … Continue Reading

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Right to buy property with shared ownership in London

Adviser: Anna Thompson Value: £385,000 Loan: £211,820 Arrangement Fee: £995 Rate: 1.56% Term: 23 years Samuel and his wife have been living in their council property for most of their life, bringing their children up in their flat in Elephant … Continue Reading

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Foreign National first time buyers looking to buy in London

Adviser: Anna Thompson Value: £590,000 Loan: £490,000 Arrangement Fee: £999 Rate: 1.49% Term: 30 years My clients are South African Nationals, looking to buy their first home in Hackney, London. Arnold had inconsistent income – a normal basic income but bonus … Continue Reading

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A speedy remortgage to a cheaper rate

Adviser: Anna Thompson Value: £800,000 Loan: £312,000 Arrangement Fee: £999 Rate: 1.29% Term: 15 years My client has an offset mortgage with First Direct and is looking to remortgage to a cheaper lender with a product with no Early Repayment … Continue Reading

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Amateur landlord looking to expand portfolio through capital raising

Adviser: Anna Thompson Value: £600,000 Loan: £285,000 Arrangement Fee: £1,507 Rate: 1.39% Term: 25 years Simon enquired about capital raising on a property that he had lived in previously, before moving out and converting to a rental property, keeping his … Continue Reading

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High Net Worth clients who avoided impacting their cashflow for property improvements

Our client, a married couple, owned a five-bedroom detached house in Hampshire which was valued at £4.5m, following significant home improvements and modernisation. They had an outstanding first charge mortgage of £930,000 on the property and achieved high net worth … Continue Reading

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Purchasing a warehouse at auction to convert into flats

Our clients wished to acquire a warehouse in Camden, London at an auction for £1.5m. The warehouse was classed as storage premises and was being bought with vacant possession. The aim of the project was to convert the property into … Continue Reading

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