
The Scenario A couple had recently sold their home for £915,000 and were exploring mortgage options for their next steps. Their current mortgage with Barclays had a balance of approximately £149,000, split across two subaccounts. Due to early repayment charges (ERCs) tied to these subaccounts, they wished to port the existing mortgage while topping up… Read more

The Scenario An expat, living in New York since early 2024, sought a new mortgage for a buy-to-let property in London. Being based overseas posed a challenge, as many UK lenders, including the existing provider, have strict policies limiting mortgage availability to non-resident clients. This meant finding a lender that specifically catered to expats. The… Read more