Blogs

Bridging Finance Enables Swift Country Home Purchase Without Selling Existing Property

CASE STUDY Case Overview When the right property becomes available, acting quickly can make all the difference. In this case, we arranged short-term bridging finance to help a client secure their ideal countryside home—without needing to sell their current London property or lose...

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First-Time Landlord Secures Bridging Finance to Complete Auction Purchase and Exit with Uplifted Property Value

CASE STUDY Overview For first-time landlords and developers, navigating auction purchases can be a steep learning curve. In this case, we supported a client purchasing their first buy-to-let property via auction—securing a bridging loan at 75% LTV, despite market volatility, a challenging valuation, and tight...

90% LTV Mortgage Secured for First-Time Buyers with Non-UK National Status

CASE STUDY Overview Navigating the mortgage market as a first-time buyer can be daunting—especially when buying a non-standard property and dealing with complex residency statuses. In this case, we secured a 90% loan-to-value mortgage for two non-UK nationals purchasing their first home: a...

Navigating Mortgage Affordability: Tailored Solutions for Varied Financial Profiles

Strategic Mortgage Solutions for Complex Financial Needs Securing the right mortgage requires more than just meeting affordability criteria—it demands a strategy that aligns with your broader financial objectives. For individuals with non-traditional income structures, navigating lender requirements can be challenging, particularly when...

Financing a Vision: Self-Build Mortgage Unlocks Sustainable Dream Home

CASE STUDY Overview When planning a self-build project, clarity around financing options is crucial. Our client, a UK-based Head of AI at a leading tech firm, set out to demolish and rebuild his home using sustainable materials. He sought our assistance to...

A Rise in Tracker Mortgages as Borrowers Seek Flexibility

The rising trend in borrower preferences seeking greater flexibility In recent years, tracker mortgages have been prevalent among borrowers seeking greater flexibility during uncertain economic times. A recent analysis by Quilter reveals a 67% increase in the uptake of these mortgage deals since...

How to Boost Your Chances of Mortgage Approval as a First-Time Buyer

Mortgages tailored for newcomers to the property market For many, stepping onto the property ladder is a thrilling venture filled with excitement and apprehension. Navigating this milestone can be daunting, but first-time buyers can proceed confidently with careful financial preparation. First-time...

The Importance of your Credit Score for Mortgage Affordability

Each lender has its own criteria and methods for evaluating your application The mortgage landscape can seem daunting, particularly when understanding the role of credit scores. Unlike what some may assume, there isn’t a singular credit score required for securing a mortgage. Instead,...

Facilitated a Tailored Lifetime Mortgage to Fund Couple’s Retirement

CASE STUDY Finding a flexible equity release solution that meets today’s needs without compromising tomorrow’s plans. We’re delighted to share a recent case completion for a retired couple who were referred to us by a professional contact at a renowned asset management firm. This...

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Barristers’ Mortgage Q&A: Expert Answers to Your Most Common Questions

Q1: Can I use my accounts before my tax returns are finalised? Yes. Some lenders rely on finalised tax calculations (SA302s), but others will accept finalised sole trader accounts from your accountant. This flexibility allows barristers to present a more accurate income picture...