by Luther | Jun 5, 2025 | Case studies, Case Study - London
Client Background The client owned a property in London and was seeking to remortgage it. They lived in the property alongside two lodgers, who did not have formal tenancy agreements. This arrangement was acceptable as long as the client continued residing in the...
by Luther | Jun 2, 2025 | Mortgage tips, News
Halifax has quietly implemented a significant positive change for mortgage applicants relying on bonus income, potentially opening doors for many who have recently switched employers. Previously, borrowers needed a two-year bonus history with the same employer for...
by Luther | May 30, 2025 | Case studies, HNW, Mortgage tips, Private Banks, Self-employed
Client Background Our existing clients—a self-employed couple—approached us with a clear goal: to secure a £2.3 million loan to release equity from their residential mortgage and purchase a holiday property in the Italian Alps. Their property, which included over 30...
by Luther | May 30, 2025 | Case studies, Lifestyle, Mortgage tips, Mortgage types
Client Background Our client approached us just one month before their existing mortgage deal was set to expire. They were unaware that they could secure a new mortgage product at least three months in advance, allowing them to lock in rates and potentially avoid...
by Luther | May 27, 2025 | Case studies, Case Study - London, Complex Mortgages, Mortgage tips, Mortgage types, News, Property conditions
Achieving full homeownership is a significant milestone, often perceived as a straightforward process when a buyer possesses a strong financial profile. However, as this case study illustrates, even seemingly uncomplicated mortgage applications can present unexpected...