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Our client – a UK business owner – wished to raise finance in order to purchase the property he had been renting for the previous twelve months. The problem, however, was that he did not have two years' worth of accounts, which meant that most lenders would not consider his case.

Our client – a British expat living in Cameroon – wished to purchase a six-bedroom country home on the outskirts of an idyllic Welsh village.

It is difficult, amidst the uncertainty that currently besets the nation, to set down any confident economic forecasts for the post-brexit world. It is possible, however, to assess the health of the economy as it currently stands and use this assessment to make a number of tentative predictions regarding mortgage rates and house prices.

Our client – a US national living in the States with no familial ties to the UK – wished to purchase a two bedroom flat in Colindale, where he planned to live during the months that he would be working in the UK each year.

Our clients – two doctors – wished to let out their property and purchase a second, larger one, into which they planned to move once the necessary financial arrangements had been made.

The news is abuzz with pessimistic projections for 2019. No matter where we end up, no matter what we do, the situation is without hope – or so we’re being told.

For the UK’s 4.8 million self-employed, mortgage options depend greatly on the sector and nature of their work. It’s often assumed that all lenders will want at least three year’s accounts and will base their maximum loan on taxable income. For contract workers, especially in historically dependable sectors such as IT, the reality can be very different - and much better.