Making criteria work

We’re specialists in ensuring our clients have the right mortgage for their circumstances.  And even when faced with difficult or unusual circumstances, our friendly, experienced team pull out all the stops to do everything we can to get our clients their dream home.

Here is a selection of case studies which demonstrate where we’ve helped our clients in particularly difficult circumstances

Problem A :
We had a client who had the deposit money coming from Turkey. Unfortunately lenders do not allow deposit money to come from this country at the moment, due to FCA sanctions

Solution:
We recommended a mortgage with Santander as they would accept the deposit coming from a loan

Problem B:
A client was buying an apartment but wasn’t sitting with most lenders’ affordability

Solution:
We went to the Bank of Ireland as they ignore service charges

Problem C:
We had a client that wanted to buy a house, but the monthly payments were too high (90% lending)

Solution:
We got the builder to pay 5% toward the deposit. This attracted a lower interest rate and reduced the loan – and in addition to this Santander will also allow a part of the loan to be on interest-only which meant we got the monthly payments in budget for the client