General

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...

Education Hub

Mortgage approval rates have risen in the UK

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...

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...

£1M Commercial Remortgage: Supporting an Investment Strategy with Debt Consolidation

A long-standing client with a substantial mixed-use portfolio approached Henry Dannell to restructure legacy commercial debt that was restricting liquidity and limiting growth. Henry Dannell secured a £1,009,800 interest-only facility at 1.60% over base, alongside a Personal Guarantee capped at 16%, improving cost of borrowing, monthly cash flow, and release...

From Existing Home To Dream Home: How A Remortgage Made It Possible

When a family decided to stop dreaming about their ideal home and start building it, they faced a significant financial puzzle. We structured a remortgage against their existing home, alongside a self-build mortgage to acquire land.

Financial Decisions That Shape the First Decade at the Bar

Early years at the Bar introduce a professional and financial structure that differs from most other careers. Recognising this can help barristers approach financial planning with greater confidence as their careers develop.

Property as the Foundation of Love

Relationship Milestones Are Shifting. Why Should This Matter for Private Client Advisers? For private client advisers, property is increasingly the moment when a relationship becomes financially real. Across affluent and emerging-HNW client profiles, buying a home is now the primary act of commitment, often preceding marriage, children,...

Leveraging RSU Income to Secure a £2M Mortgage for a Software Engineer

CASE STUDY Overview When a high-earning software engineer looked to upsize his home following the arrival of his first child, he needed a mortgage adviser who could go beyond ‘standard'.

£1.72M Portfolio Refinance for a Holiday Let Investor with CCJs, Deadlines and Declines

CASE STUDY Overview Faced with lender refusals, a time-sensitive bridging facility exit need and an unknown CCJ against her limited company, this professional landlord needed a refinance solution that accounted for more than just numbers.

Navigating Offshore Income to Secure a High-Value First-Time Buyer Mortgage

CASE STUDY Overview Purchasing a first home is always a milestone, but for these clients, the journey was anything but straightforward. With income routed through a newly formed offshore partnership and no prior mortgage experience, their situation required specialist navigation. Referred to Henry Dannell...