by Luther | Dec 12, 2025 | Case studies, Mortgage types, Property conditions
Six months after our last update, EWS1 issues are still causing major delays for homeowners and buyers. Many clients are struggling to arrange finance where their original EWS1 report was completed by Tri Fire, as lenders remain cautious about reports from certain...
by Luther | Nov 19, 2025 | Complex Mortgages, Mortgage tips, Mortgage types
Introduction Contractors often face unique challenges when applying for a mortgage. Unlike traditional employees, their income can fluctuate, and lenders may struggle to assess affordability. The good news? There are tailored solutions that make it possible for...
by Luther | Nov 19, 2025 | Case studies, Lifestyle, Mortgage tips, Mortgage types
Loan raised: £1.085m Area: South West Client Profile Our client approached us with the intention of purchasing a second residential property, which they planned to renovate and eventually move into. They wished to retain their current home during the renovation...
by Luther | Oct 15, 2025 | HNW, Mortgage tips, Mortgage types
For many, owning a second home is about more than investment—it’s about lifestyle. Whether it’s a cottage tucked into the countryside or a coastal retreat for family getaways, a second home offers personal value that goes beyond bricks and mortar. But...
by Luther | Sep 23, 2025 | Mortgage tips, Mortgage types
We specialise in arranging and comparing offset mortgages for barristers and LLP partners. We help convert irregular fee income, partnership distributions and retained balances into a practical way to reduce mortgage interest while keeping cash accessible for tax,...
by Luther | Jul 6, 2025 | Case studies, Expat & Foreign national, Mortgage tips, Mortgage types, Self-employed
Background Our client, a self-employed director of a UK limited company, had been living in Portugal for a couple of years. With plans to return to the UK, they were keen to purchase a new build property ahead of their move. Thanks to strong ties to the UK—including...