Category: Residential Mortgages

  • 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

  • Secured Loans & Second Charge Mortgages

    Secured Loans & Second Charge Mortgages

    Secured Loans Advice for Homeowners If you’re looking to borrow a larger amount, spread repayments over time, or unlock equity in your property without disturbing your current mortgage, a secured loan could be an option, subject to professional advice. A secured loan, sometimes called a homeowner loan or second charge mortgage, lets you borrow money… 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

  • Bridging Loans for First Time Buyers

    Bridging Loans for First Time Buyers

    Bridging Loans for First Time Buyers When and Why They Are Used When you are buying your first property, most people assume a mortgage is the only option. In many cases, which is true. However, there are situations where a standard mortgage does not work, at least not straight away. This is usually when bridging… Read more

  • Mortgages for Military Including Army, Navy and RAF

    Mortgages for Military Including Army, Navy and RAF

    Mortgages for Armed Forces: How Military Personnel Can Get Approved Life in the military can be unpredictable. From frequent relocations to overseas deployments, your lifestyle is anything but typical and that can make getting a mortgage feel more complicated than it should be.  But that doesn’t mean the mortgage process needs to be overwhelming to… 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

  • Mortgages For Airline Staff

    Mortgages For Airline Staff

    Mortgages for Airline Staff: Pilot & Cabin Crew Income Explained If you fly for a living you may already know it can be tricky to get a straightforward answer from a mortgage lender. Your payslips are not simple. Flight pay fluctuates. Allowances and rostering can make one month look very different to the next. Some… Read more

  • Ultra High Net Worth Mortgage Options

    Ultra High Net Worth Mortgage Options

    UHNW Mortgages Explained: Private Bank & Asset-Backed Options In the UK, the term “Ultra High Net Worth Individual” typically refers to someone with net assets of £30 million or more, although definitions can vary slightly between financial institutions and wealth managers. This figure excludes primary residence and liabilities in some interpretations, while others include all… Read more

  • Mortgage for Commission Only Jobs

    Mortgage for Commission Only Jobs

    Mortgage for Commission Only Jobs: A Complete Guide to Borrowing on Commission If you earn your income through commission only, you may have wondered whether getting a mortgage will be harder than it is for someone on a basic salary. You might even have been told that lenders do not like commission only jobs, or… Read more

  • Mortgage For An Inherited Property

    Mortgage For An Inherited Property

    Mortgages on Inherited Property: What You Can Do Before and After Probate If you have inherited a property, you might be wondering whether you can get a mortgage on it, and if so, what the best route looks like. You may want to live in the home, buy out a relative, fund renovations, switch to… 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