Category: Case Studies

  • Case Study: Product Transfer for Rate Renewal

    Case Study: Product Transfer for Rate Renewal

    The Scenario An applicant approached us to manage a product transfer as their fixed-rate mortgage was nearing its expiration. The property, based in Hook, Hampshire was valued at £890,000 (NatWest valuation: £838,805), had two mortgage parts with NatWest: The applicant preferred to secure a five-year fixed rate for Part 1 of the mortgage to gain… Read more

  • Case Study: Supporting First-Time Buyers with a Long-Term Mortgage Solution

    Case Study: Supporting First-Time Buyers with a Long-Term Mortgage Solution

    The Scenario In Blackwater, Camberley, Surrey, a young professional couple embarked on the exciting journey of purchasing their first home. Both employed and earning a combined annual income of £90,000, they were looking to secure a flat with a purchase price of £230,000. Their deposit, accumulated through savings, amounted to £23,000, leaving a loan requirement… Read more

  • Case Study: Helping Ascot Homeowners Secure a Further Advance for Home Improvements

    Case Study: Helping Ascot Homeowners Secure a Further Advance for Home Improvements

    Introduction Home improvements can enhance both comfort and property value, but funding them often requires strategic financial planning. This case highlights how we assisted homeowners in Ascot to secure a further advance with their current lender, HSBC, to finance their renovation plans while ensuring affordability and stability. The Scenario The homeowners already held a mortgage… Read more

  • Case Study: Loan Secured Against Investments to Buy Property Abroad

    Case Study: Loan Secured Against Investments to Buy Property Abroad

    The Scenario We worked with a client who had built up significant wealth and was preparing to move overseas. He had found a property in Europe that he wanted to buy as his new home. Rather than go through the process of arranging a mortgage in a foreign country, he was looking for a way… Read more

  • Case Study: Helping Buy-to-Let Landlords in Sandhurst

    Case Study: Helping Buy-to-Let Landlords in Sandhurst

    Introduction For buy-to-let landlords, managing finances effectively is crucial to ensuring long-term success. This case highlights how we supported property owners in Sandhurst to secure a hassle-free product transfer with their existing lender, providing flexibility for potential future plans. The Scenario The landlords owned a buy-to-let property in Sandhurst and were approaching the end of… Read more

  • Case Study: Supporting First-Time Buyers in Petersfield

    Case Study: Supporting First-Time Buyers in Petersfield

    Introduction Purchasing a first home is a significant milestone, especially when the property is privately sold through personal connections. This case highlights how we helped first-time buyers in Petersfield secure an affordable and secure mortgage tailored to their needs. The Scenario The customers, first-time buyers, were purchasing a property privately from owners they knew. The… Read more

  • Case Study: Remortgage to Buy a Property Abroad

    Case Study: Remortgage to Buy a Property Abroad

    The Scenario A professional couple based in Virginia Water were exploring options to purchase a holiday home in the Algarve, Portugal. Rather than securing foreign lending, they sought to remortgage their UK home to raise the necessary capital. Their plan was to unlock equity from their existing property to fund the full purchase and associated… Read more

  • Case Study: Helping a Home Mover in Petersfield

    Case Study: Helping a Home Mover in Petersfield

    Introduction Moving home can be a complex process, particularly during life changes such as divorce. This case highlights how we supported a customer in Petersfield to secure a tailored interest-only mortgage, providing the flexibility and stability needed to move forward with their plans. The Scenario The customer was in the process of a divorce, with… Read more

  • Case Study: Helping a Family in Fleet Secure a Further Advance for Home Improvements

    Case Study: Helping a Family in Fleet Secure a Further Advance for Home Improvements

    The Scenario The customers, a couple with two children based in Fleet, Hampshire, were looking to capital raise for home improvements. They were also considering using the additional funds to clear a loan but had not made a final decision. Their current mortgage with Nationwide had an outstanding balance of £297,905, and they wanted to… Read more

  • Case Study: Farnborough Buy-To-Let Product Transfer for Existing Mortgage Clients

    Case Study: Farnborough Buy-To-Let Product Transfer for Existing Mortgage Clients

    The Scenario In Farnborough, Hampshire, experienced property investors sought to renew their buy-to-let mortgage products. With three existing buy-to-let mortgages through BM Solutions nearing the end of their terms, the clients were keen to avoid the variable rates that would apply upon expiry. They preferred a streamlined approach that allowed them to renew with their… Read more

  • Case Study: Strategic Product Transfer for Buy-to-Let Property with Lease Constraints

    Case Study: Strategic Product Transfer for Buy-to-Let Property with Lease Constraints

    The Scenario An experienced property investor sought to remortgage a buy-to-let flat in London valued at £450,000 with an outstanding mortgage balance of £289,338. The property is currently rented out for £1,350 per month, providing steady income but presenting unique challenges due to a lease length of less than 70 years. The investor, earning a… Read more

  • Case Study: Securing a Residential Mortgage for a Family Home with Holiday Lets on Site

    Case Study: Securing a Residential Mortgage for a Family Home with Holiday Lets on Site

    The Scenario In this case study, we look at how we helped a family relocating to Devon secure the right mortgage for a unique property, a five-bedroom main house on a plot that also included four separate holiday barns. Their plan was to live in the main home and let out the holiday barns on… Read more