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...
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...
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...
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...
Client Background The client was employed in Saudi Arabia and earning income in Saudi Riyals (SAR), while the rest of their family resided in the UK. They had an opportunity to privately purchase a neighbor’s property in the UK, which featured extensive...
