The difference in what we were able to do, was use our connections to support the client to achieve their required outcome, whilst retaining the buyer for her existing property and enabling her to complete within the deadline provided by the vendors.
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We were able to secure our client a fixed-rate plan and assist in securing them an additional 1% LTV, allowing them to retain all of their savings.
We were able to source a lender willing to offer at 5.5 times the client’s income, without factoring in the current residential mortgage, on the basis we could evidence consent to let and provide expected rental estimates from local agents.
With our understanding of the income structures of accountants and barrister's income, we were able to evidence the onward sustainability and upward trajectory of both incomes. We were also able to provide our analysis of previous mergers to offer the lender further confidence that the income for Applicant two was...
We were able to get the underwriter to review their standard policy rules to make an exception for our client based on the detailed overview we were able to present.
Despite complexities with the denomination of our client's income, we were able to source a lender, willing to lend at the required amount.
With our understanding of our client's business and professional sector, we were able to secure a competitive high street rate.
We were able to save our client circa £1,675 per month on his mortgage. When spread across a 10-year fixed term, this was a considerable saving for our client of over £200,000.
Our client required a mortgage for the purchase of a new home worth £13,800,000. We successfully arranged a solution that allowed the client to borrow the necessary amount for the property purchase while keeping their current assets unencumbered.
We sourced a private bank willing to take a holistic view of the client's current and future income and assets to lend at the full amount required.