Client Case Studies

Helping a Foreign National Buy Their First UK Home

Problem:A client working in IT on a Tier 2 visa wanted to buy a home in the UK but was repeatedly declined by lenders due to their visa status.

Solution:We worked with specialist lenders who understand the circumstances of foreign nationals and secured a 90% LTV mortgage with a competitive rate.

Outcome:The client purchased a £450,000 property in London with just a 10% deposit and now has a clear path to permanent residency and homeownership.

Debt Consolidation for a Self-Employed Couple

Problem:A married couple, both self-employed, had over £70,000 in credit card and loan debts. Monthly payments were unmanageable and affecting their mental health.

Solution:We arranged a remortgage of their existing property, consolidating all debts into one affordable monthly payment at a much lower interest rate.

Outcome:Their monthly outgoings dropped by £1,100, and they are now in control of their finances with a plan to become debt-free.

Later Life Mortgage for a 72-Year-Old Retired Teacher

Problem:A retired teacher wanted to release equity from her home to help her grandchildren with university costs but was unsure what options were available at her age.

Solution:We sourced a later-life mortgage (retirement interest-only) that didn’t require her to sell her home or make large monthly repayments.

Outcome:She accessed £150,000 from her property and was able to support her family while retaining full home ownership.

Buying a London Flat on a Spouse Visa

Problem:A client on a spousal visa with a short credit history in the UK struggled to get a mortgage offer despite having a good income.

Solution:We approached lenders who specialize in expat and visa-based applications, highlighting the client’s income stability and savings history.

Outcome:She secured a 5-year fixed mortgage and moved into her new £380,000 apartment in East London with peace of mind.

Self-Build Completion Funding

Problem:A couple ran out of funds midway through building their dream home and needed £300,000 urgently to complete the project.

Solution:We arranged a self-build stage release mortgage using the property’s increased value after partial completion.

Outcome:They finished the build without further delays and moved into their custom-designed countryside home within four months.

Freelance IT Consultant on Indian Payroll Securing UK Mortgage

Problem:A freelance IT consultant working remotely for a company in India wanted to buy a property in the UK. Despite earning over £70,000 a year, most UK lenders didn’t recognise his foreign income or contract-based work.

Solution:We approached specialist lenders who understand the nuances of international payrolls and freelance contracts. We helped him present a clear income trail, contract history, and proof of UK residency.

Outcome:He secured a £320,000 mortgage with a 15% deposit, moved into a flat in Reading, and continues building credit in the UK while working remotely.

Foreign Investor Buying a Buy-to-Let in the UK

Problem:An Indian client wanted to invest £100,000 into a buy-to-let property in the UK but didn’t have a UK bank account or credit history.

Solution:We arranged an international buy-to-let mortgage through a lender with a dedicated foreign investor team, using assets held abroad.

Outcome:He bought a £400,000 rental flat in Manchester, generating monthly income while planning future UK visits.

First-Time Buyer with 10% Deposit

Problem:A young couple saved £35,000 for a deposit but didn’t think they could afford a property in London.

Solution:We secured them a 90% mortgage with no broker fee and a cashback incentive through a high street lender.

Outcome:They bought a £350,000 flat in South London, moving from renting to homeownership in just three months.

Mortgage with Overpayment Flexibility

Problem:A high-income client wanted to pay off his mortgage early with occasional lump sums but needed flexibility.

Solution:We found a mortgage with a 10% annual overpayment allowance and no early repayment fees after three years.

Outcome:He now has the freedom to pay off his loan faster while maintaining financial flexibility.

£1.5 Million Tracker Remortgage from a Private Bank

Problem:A client was stuck with a private bank mortgage at 6% and wanted to reduce interest and raise capital for a second property.

Solution:We arranged a £1.5 million tracker mortgage at a significantly lower rate, with £300,000 equity release.

Outcome:He saved over £20,000 annually on interest and used the funds to purchase a holiday home.

70-Year-Old Seeking Interest-Only Mortgage

Problem:A 70-year-old with a pension income needed a mortgage to buy a bungalow closer to family.

Solution:We found a lender offering retirement interest-only mortgages based on pension income.

Outcome:He bought a £250,000 home with a £100,000 deposit and no pressure to repay until he sells or passes on.

Debt Consolidation for Nurse and Delivery Driver

Problem:This couple had £50,000 in unsecured debts and missed several payments, affecting their credit scores.

Solution:We arranged a subprime remortgage deal with slightly higher rates, but overall monthly savings of £900.

Outcome:They caught up with payments, improved their credit, and started saving again.

Trust Fund Beneficiary Using Offset Mortgage

Problem:A young client with income from a family trust wanted to buy a home but had no traditional employment.

Solution:We recommended an offset mortgage allowing them to use their trust income as collateral.

Outcome:They purchased a £1.4 million property and used the trust to reduce interest payments.

Newly Arrived Foreign Doctor Securing Mortgage

Problem:A doctor who moved from South Africa had a UK work contract but only two months of payslips.

Solution:We worked with a lender that accepts future contracts and secured a mortgage with just a 5% deposit.

Outcome:He bought a £420,000 property near his hospital and avoided temporary rentals.

Helping an Older Widow Remortgage to Stay in Her Home

Problem:After her husband passed away, a widow aged 69 was struggling with living costs and feared selling her home.

Solution:We helped her access equity via a lifetime mortgage, with no repayments required during her lifetime.Outcome:She stayed in her home and used the funds to cover living expenses and home repairs.

First-Time Buyer Approved in Under 60 Seconds

Problem:A single applicant with a solid salary wanted quick approval for a flat to avoid losing a deal.

Solution:We submitted through a lender offering instant decision technology and got an approval in less than a minute.

Outcome:The client secured the flat and exchanged contracts in record time.

UK-Based NRI Raising Funds for India Investment

Problem:A Non-Resident Indian client needed to raise £100,000 for a project in India but didn’t want to sell UK property.

Solution:We used their equity in a London flat to arrange a second charge loan with fast approval.

Outcome:They received funds within two weeks and used them to expand their family’s business overseas.

Portfolio Landlord Needing Residential Mortgage

Problem:A client with multiple buy-to-let properties found it difficult to prove income for a new residential mortgage.

Solution:We approached a specialist lender that considered rental income alongside part-time self-employment.

Outcome:She secured a £600,000 residential mortgage and moved into her dream home.

Foreign National Buying Shared Ownership Property

Problem:A Malaysian student working part-time in the UK wanted to buy a shared ownership property.

Solution:We found a niche lender accepting shared ownership applicants with part-time income and no UK family ties.

Outcome:He bought a 40% share in a £300,000 flat with just a £12,000 deposit.

Home Mover with Bad Credit

Problem:A couple with missed payments in their past wanted to move into a larger home for their growing family.

Solution:We found a lender specialising in impaired credit and structured a deal with a slightly higher interest rate.

Outcome:They bought their £450,000 home and are now rebuilding their credit score over time.