REAL PROBLEMS. CLEAR ROUTES FORWARD.
Mortgage case studies
Anonymised examples showing how our advisers approach cases that need more than a standard lender search. Outcomes are not guarantees; every application is assessed individually.
Company director using retained profit
The director’s salary and dividends did not reflect the strength of a profitable limited company.
Read the case study →Bad creditFirst-time buyer with a recent default
A historic credit problem had reduced the client’s lender options and confidence about buying.
Read the case study →Complex incomeAffordability supported by eligible benefits
The household relied on a combination of earned income and benefits that their original affordability estimate had not fully recognised.
Read the case study →First-time buyerPolish-speaking first-time buyer in Dundee
The client wanted to understand the Scottish buying and mortgage process in their first language.
Read the case study →Property investmentHMO purchase through a limited company
The property, proposed HMO use and SPV ownership did not fit a standard buy-to-let application.
Read the case study →Foreign incomeNorthern Ireland buyer earning in euros
The applicant lived in Northern Ireland but earned employment income in the Republic of Ireland.
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