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A client of ours approached us in desperate need to arrange mortgage finance after having been declined by another mortgage broker company and three lenders already. They had had their offer accepted for their property in April this year, and therefore required a broker that could act fast to avoid the property sale falling though.

The self-employed client was a company director and now 100% shareholder of the company, having previously purchased the remaining 80% share of the business at the end of last year. The business, which worked with local schools, had to temporarily close due to Covid related restrictions during the last year until the schools could reopen once again.

This was a complex situation, and the choice of lender was limited as the client had only been an 100% shareholder of the company for less than a year and had disruptions in his employment during Covid. Our broker needed to identify a lender who would be able to lend based on the structure of the client’s income and in this complex situation.

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With access to every lender on the market and vast experience negotiating property finance of every kind, our expert broker was able to identify a lender who could assist clients in complex situations such as these. After explaining the client’s individual situation in detail to the lender, they could confirm the client’s income was sustainable following the change in ownership of the company. We were able to arrange a 5-year fixed mortgage on a part interest-only and part capital mortgage, with the case going to offer in just 7 working days, much faster than traditional high street lenders.

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