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.
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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...
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.
With our exclusive access to a panel of lenders, which only a select few brokers, including Henry Dannell, have the privilege to work with, we were able to secure the desired outcome for our clients.
We successfully connected our client with a lender who understands the intricacies of commission-based income and does not limit it to 100% of the basic salary.
We secured our client a new rate 6 months before the expiration of their current rate. As market rates continued to decrease, we leveraged our expertise to strategically switch our client's rate multiple times until the completion of the remortgage process.
Through effective communication and negotiation with the underwriter, we successfully secured the lending solution the client needed.