Bridging Finance for a Holiday Let Landlord Buying a Family Home
A case study showing how bridging finance helped a holiday let landlord secure a family home, with a long-term residential refinance built around complex income.
Read MoreOur Education Hub
Blogs
Critical Illness Cover for a Self-Employed Barrister with Complex Medical Disclosures
Case study: Helping a barrister with recent medical and personal issues to secure a critical illness cover, providing income and long-term financial stability in the event of a serious or long-term health condition.
Read More
Should I Take a 2-Year or 5-Year Fixed Rate?
For many borrowers, the question of whether to choose a two-year or five-year fixed rate has become one of the most important mortgage decisions of the year. It is also one of the most difficult to answer in isolation. A two-year fix may offer flexibility. A five-year fix may offer...
Read More
Waiting for Rate Certainty May Be the Wrong Strategy
There is a particular kind of borrower who waits in the right way. They are measured, analytical and rarely rushed. They read the economic commentary, follow Bank of England decisions, watch swap rates, compare fixed-rate pricing and assume that better conditions may emerge if they remain...
Read More
The Refinance Moment: Why Commercial Property Owners Need More Than a Rate Comparison
For many commercial property owners, refinancing was once treated as a relatively straightforward process. A facility approached maturity, terms were compared, a lender was selected, and the debt continued under a revised structure. That approach no longer reflects the reality of the market.
Read More
High-Value Residential Mortgage for an Entrepreneur with Complex Income
A £1.35M mortgage on a £1.8M home appeared straightforward, yet months of rejections told a different story. With a loss-making company on paper and no conventional income trail, mainstream lenders were unable to look beyond surface-level metrics. By taking the time to understand the underlying strength of the business, working...
Read MoreGuides
Succession Planning Whitepaper for Professional Advisers
Download
Journey of the Bar | The Financial Journey of a Barrister
Download
Your Guide to Business Protection Insurance
Download
Your Guide to Bridging Loans
Download
The Complete A-Z Mortgage Glossary
Download
Credit Profiles | A Critical Factor for Securing a Mortgage
DownloadProfessional Introducers
£8.1M Buy-to-Let Mortgage Secured for a Non-Dom Property Developer in Seven Weeks
CASE STUDY...
Read More
Prime Central London: An Enduring Legacy for Your High-Net-Worth Clients?
Looking for secure, high-growth investment options for your high-net-worth clients? Prime Central London (PCL) property could be the ideal addition to their portfolios. Resilience in a Shifting Market While some property markets have seen recent fluctuations, PCL has demonstrated remarkable stability. Despite global...
Read More
Welcome early shoots of renewed stability
Cautious optimism is the name of the game as inflation falls ahead of expectations and lenders help borrowers ride out the storm The housing market as well as the wider economy have undoubtedly had a rocky ride of late, but early signs of stability returning...
Read More
Riding out the storm with confidence
Expert guidance is more crucial than ever as mortgage rates continue to rise in the face of stubbornly high inflation Housing market knowledge and know-how have come firmly into their own this month as worse-than-expected inflation data rocked the economy and made analysts...
Read More
Ride the wave of opportunity as the property market starts to stabilise
Encouraging signs abound, making now the perfect time to dive in A flurry of encouraging signs around the economy, interest rates and house prices are strong signals of optimism for the property market – and opportunity for those ready to dive in.
Read More
Maximise Your Client’s Homebuying Strategy: The Advantages of Bridging Loans
Has your client found a new property to purchase, but won’t be able to sell their current home simultaneously? In this scenario, a bridging loan may be a potential solution. Whilst your client may have other assets as part of an existing investment...
Read MoreVideos
Sporting Professionals Mortgage Solutions
There are many factors to consider as a sporting professional, when obtaining a mortgage. In this video, we discuss some of the factors a lender would consider when assessing affordability.
View Video
The Mortgage Process
At Henry Dannell, we aim to provide our clients with the support and knowledge they require to find the most suitable solution fitting their requirements, profession and lifestyle.
View Video
Professional Entertainer Mortgage Solutions
The nature of income streams for professional entertainers, such as musicians can make mortgage lending ‘non-traditional’. Within this video, we discuss the complexities that can be faced and how a lender will assess affordability.
View Video
Property Portfolio Mortgage Solutions
For clients with a large property portfolio, mortgage solutions can be complex. Within this video, we discuss the benefits of using a broker to consolidate lending.
View Video
Solicitor Mortgage Solutions
For solicitors during different stages in their career, income structures may vary, which will affect the way a lender would assess affordability. Within this video, we discuss what factors would be considered, during these different stages.
View Video
Large Investment Portfolio Lending Mortgage Solutions
Clients with a large investment portfolio but limited income can face complexities when trying to obtain a mortgage. Within this video we discuss the options available those requiring specialist asset lending, without having to lend against current assets.
View VideoBlogs
Bridging Finance for a Holiday Let Landlord Buying a Family Home
A case study showing how bridging finance helped a holiday let landlord secure a family home, with a long-term residential refinance built around complex income.
Read More
Critical Illness Cover for a Self-Employed Barrister with Complex Medical Disclosures
Case study: Helping a barrister with recent medical and personal issues to secure a critical illness cover, providing income and long-term financial stability in the event of a serious or long-term health condition.
Read More
Should I Take a 2-Year or 5-Year Fixed Rate?
For many borrowers, the question of whether to choose a two-year or five-year fixed rate has become one of the most important mortgage decisions of the year. It is also one of the most difficult to answer in isolation. A two-year fix may offer flexibility. A five-year fix may offer...
Read More
Waiting for Rate Certainty May Be the Wrong Strategy
There is a particular kind of borrower who waits in the right way. They are measured, analytical and rarely rushed. They read the economic commentary, follow Bank of England decisions, watch swap rates, compare fixed-rate pricing and assume that better conditions may emerge if they remain...
Read More
The Refinance Moment: Why Commercial Property Owners Need More Than a Rate Comparison
For many commercial property owners, refinancing was once treated as a relatively straightforward process. A facility approached maturity, terms were compared, a lender was selected, and the debt continued under a revised structure. That approach no longer reflects the reality of the market.
Read More
High-Value Residential Mortgage for an Entrepreneur with Complex Income
A £1.35M mortgage on a £1.8M home appeared straightforward, yet months of rejections told a different story. With a loss-making company on paper and no conventional income trail, mainstream lenders were unable to look beyond surface-level metrics. By taking the time to understand the underlying strength of the business, working...
Read MoreGuides
Succession Planning Whitepaper for Professional Advisers
Download
Journey of the Bar | The Financial Journey of a Barrister
Download
Your Guide to Business Protection Insurance
Download
Your Guide to Bridging Loans
Download
The Complete A-Z Mortgage Glossary
Download
Credit Profiles | A Critical Factor for Securing a Mortgage
DownloadProfessional Introducers
£8.1M Buy-to-Let Mortgage Secured for a Non-Dom Property Developer in Seven Weeks
CASE STUDY...
Read More
Prime Central London: An Enduring Legacy for Your High-Net-Worth Clients?
Looking for secure, high-growth investment options for your high-net-worth clients? Prime Central London (PCL) property could be the ideal addition to their portfolios. Resilience in a Shifting Market While some property markets have seen recent fluctuations, PCL has demonstrated remarkable stability. Despite global...
Read More
Welcome early shoots of renewed stability
Cautious optimism is the name of the game as inflation falls ahead of expectations and lenders help borrowers ride out the storm The housing market as well as the wider economy have undoubtedly had a rocky ride of late, but early signs of stability returning...
Read More
Riding out the storm with confidence
Expert guidance is more crucial than ever as mortgage rates continue to rise in the face of stubbornly high inflation Housing market knowledge and know-how have come firmly into their own this month as worse-than-expected inflation data rocked the economy and made analysts...
Read More
Ride the wave of opportunity as the property market starts to stabilise
Encouraging signs abound, making now the perfect time to dive in A flurry of encouraging signs around the economy, interest rates and house prices are strong signals of optimism for the property market – and opportunity for those ready to dive in.
Read More
Maximise Your Client’s Homebuying Strategy: The Advantages of Bridging Loans
Has your client found a new property to purchase, but won’t be able to sell their current home simultaneously? In this scenario, a bridging loan may be a potential solution. Whilst your client may have other assets as part of an existing investment...
Read MoreVideos
Sporting Professionals Mortgage Solutions
There are many factors to consider as a sporting professional, when obtaining a mortgage. In this video, we discuss some of the factors a lender would consider when assessing affordability.
View Video
The Mortgage Process
At Henry Dannell, we aim to provide our clients with the support and knowledge they require to find the most suitable solution fitting their requirements, profession and lifestyle.
View Video
Professional Entertainer Mortgage Solutions
The nature of income streams for professional entertainers, such as musicians can make mortgage lending ‘non-traditional’. Within this video, we discuss the complexities that can be faced and how a lender will assess affordability.
View Video
Property Portfolio Mortgage Solutions
For clients with a large property portfolio, mortgage solutions can be complex. Within this video, we discuss the benefits of using a broker to consolidate lending.
View Video
Solicitor Mortgage Solutions
For solicitors during different stages in their career, income structures may vary, which will affect the way a lender would assess affordability. Within this video, we discuss what factors would be considered, during these different stages.
View Video
Large Investment Portfolio Lending Mortgage Solutions
Clients with a large investment portfolio but limited income can face complexities when trying to obtain a mortgage. Within this video we discuss the options available those requiring specialist asset lending, without having to lend against current assets.
View VideoWhat our clients say…
'They are extremely responsive, highly professional with many years of experience in their field…'Investment Banker Book your consultation now
Case Studies
All case studies
Day One Refinance of Unencumbered Property
Despite being informed by several brokers and lenders that he would not be eligible for a competitive rate until he had owned the property for 6 months, we were able to find a solution that allowed him to secure a new rate as soon as possible.
Residential Purchase | Affordability Calculated on Projected Income
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.
First-Time Buyers | Previously Declined Due to Complex Income
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.
Buy-to-Let Remortgage
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).
Market News & Insights
Inflation Holds Steady – but it’s Too Early for Complacency
The good news keeps coming…
The big news is that inflation figures for September held steady at 6.7 per cent – very slightly...
Read More
Hopes Building That Economic Turbulence Has Peaked
The ship continues to steady
While the economy has certainly been through a turbulent period recently, the early signs of st...
Read More