Case Studies
I treat every mortgage application as I would my own, to give you the very best value and service.
Every person's circumstances are different, and that's where I can help. I have contacts with every lender to make sure you get the right mortgage and protection.
Here are a few real life examples of how I've supported existing clients.
POOR CREDIT HISTORY
SOLUTION:
CLIENTS SAVED OVER £400 PER MONTH.
A couple had defaults on their credit history so they thought they were stuck with their existing lender on an astronomically high interest rate.
I knew I could help so I explained their situation to a specialist lender who was more than happy to cover the couple a mortgage and on a much better interest rate.
The client is saving over £400 per month on mortgage repayments which equates to £9,600 over 2 years!
DIVORCE SETTLEMENT
SOLUTION:
CLIENT WAS ABLE TO STAY IN THE FAMILY HOME AND PAY OFF THE EX-PARTNER
The client had a mortgage on his property which didn't expire until 2024 but he had separated from his wife and wanted to borrow more money to pay off his wife.
The current lender wouldn't lend the client additional funds to pay of his ex-partner, so I found a lender which would add a second charge mortgage to the property.
The client paid off his ex wife without having to sell the home. A stress-free solution for all parties.
YOUR BANK SAYS NO
SOLUTION:
A YOUNG FAMILY WAS ABLE TO BUY THEIR FIRST HOME AFTER BEING TOLD NO BY THEIR BANK.
Each lender has it's own rules about mortgage lending so even if you have been banking with them for years, you may not match their mortgage lending rules.
I was recommended to these clients after their bank wouldn't give them a mortgage.
After a conversation to understand their situation and researching all lenders, I knew the perfect lender for them and secured a mortgage.
Buying their first family home was a dream come true for the clients
INTEREST RATES REDUCING
SOLUTION:
CLIENT SAVED £31 PER MONTH
The client's fixed interest rate was due to expire so we secured a new interest rate for his current home.
Simple! But during the time between the mortgage offer and the day the lender released the funds, the lender had reduced it's interest rates by 0.22%.
Because I am informed of new interest rates, I switched the client to the lower interest rate 3 times, saving them £31 per month in mortgage repayments which equates to £1839 over 5 years!