Case studies

How we structure complex mortgages and property finance

72 worked examples across residential, high-value, buy-to-let, bridging, development and commercial lending, each showing the problem, the approach and the outcome.

These are illustrative examples based on the types of case we arrange. They are not specific clients, and figures are for illustration only. Every case is assessed individually.

How we structure complex mortgages and property finance

£1.35m purchase in Kensington for a director paid mainly in dividends

£520,000 purchase in Bristol for a growing family with high nursery costs

£285,000 purchase in Manchester for a professional still in probation

£427,500 first-home purchase in Hackney with a 5% deposit

£216,000 first-time purchase in Birmingham with a gifted deposit from parents

£380,000 first purchase in Croydon for a newly qualified solicitor

£780,000 remortgage in Wandsworth timed to avoid an early repayment charge

£310,000 remortgage in Leeds raising funds for a loft extension

£410,000 remortgage in St Albans to buy out a former partner

£650,000 self-build in Surrey funded in stages on a plot already owned

£380,000 self-build loan in Cornwall covering plot purchase and build

£240,000 conversion mortgage for a barn in the Scottish Borders

£250,000 retirement interest-only mortgage in Esher at the end of an old deal

£120,000 lifetime mortgage in Canterbury to adapt a home and help family

£400,000 purchase mortgage in Richmond for a 66-year-old still working

£157,500 shared ownership mortgage in Lewisham for a 40% share

£150,000 Right to Buy mortgage in Birmingham for a long-term council tenant

£220,000 staircasing remortgage in Bristol to buy the remaining 50% share

£3.2m purchase in Hampstead for a partner with variable bonus income

£2m interest-only purchase in the Cotswolds backed by a share portfolio

£1.6m purchase in Edinburgh's New Town of a listed townhouse

£5m Mayfair purchase via a private bank with assets under management

£3.5m Knightsbridge purchase for an overseas family with global assets

£2.5m private-bank refinance in Cobham for a founder with share-based wealth

£900,000 London purchase for a British expat paid in UAE dirhams

£1.1m purchase in Chelsea for a US banker on a UK work visa

£350,000 Edinburgh purchase for an expat couple based in Singapore

£450,000 purchase in Reading with only one year's accounts

£260,000 remortgage in Nottingham for a sole trader after a dip in profits

£720,000 purchase in Islington using a director's retained company profits

£240,000 purchase in Leicester for a couple with a satisfied CCJ

£195,000 remortgage in Glasgow for a homeowner with past mortgage arrears

£300,000 purchase in Luton for a couple who recently completed a DMP

£100,000 second charge in Ealing to fund an extension without an ERC

£75,000 second charge in Sheffield to fund a sole trader's van fleet

£45,000 second charge in Cardiff to consolidate car and card debts

£337,500 buy-to-let at 75% LTV for a first-time landlord in Walthamstow

£180,000 buy-to-let remortgage at 69% LTV using top-slicing in Manchester

£224,000 buy-to-let at 70% LTV on a non-standard construction house in Bristol

£468,750 limited company buy-to-let at 75% LTV for an SPV with UAE-based directors

£483,000 refinance at 70% LTV moving three Leeds houses into a limited company

£285,000 limited company buy-to-let at 75% LTV for two siblings in Reading

£945,000 at 70% LTV releasing equity across a 14-property East London portfolio

£2.03m portfolio refinance at 70% LTV consolidating 22 properties onto one facility

£287,000 at 70% LTV for a portfolio landlord buying a short-lease flat in Zone 2

£390,000 let-to-buy at 65% LTV releasing a deposit to move from Clapham to Surrey

£168,000 let-to-buy at 70% LTV for a couple relocating from Birmingham for work

£262,500 let-to-buy at 70% LTV in Brighton after weighing up consent to let

£356,250 HMO mortgage at 75% LTV for a landlord's first licensed six-bed HMO

£255,000 HMO refinance at 75% LTV after converting a family house in Coventry

£937,500 at 75% LTV for an eight-bed sui generis HMO in Lewisham

£371,250 holiday let mortgage at 75% LTV for a Cornish cottage

£245,000 holiday let at 70% LTV in the Lake District for borrowers in their late 60s

£273,000 at 65% LTV switching a Norfolk buy-to-let to a holiday let mortgage

£770,000 at 70% LTV on a freehold block of four flats in Croydon

£546,000 MUFB refinance at 70% LTV after converting a Sheffield house into five flats

£2.08m at 65% LTV on a ten-flat freehold block in Hackney for a family company

£185,500 auction bridging loan at 70% LTV completed in 16 days in Southend

£1.6m regulated bridging loan at 39% LTV to save a chain in Hampstead

£595,000 bridging loan at 70% LTV to buy and extend a short-lease Kensington flat

£1.43m development finance at 55% LTGDV for four new houses near Maidstone

£1.95m development finance at 62% LTGDV for an office-to-residential conversion

£660,000 development finance at 60% LTGDV for a first-time developer in Bristol

£840,000 owner-occupier commercial mortgage at 70% LTV for a dental practice

£1.08m commercial investment mortgage at 60% LTV on a let industrial unit

£422,500 commercial mortgage at 65% LTV for a restaurant owner buying its freehold

£735,000 semi-commercial mortgage at 70% LTV on a shop with two flats in Ealing

£250,250 semi-commercial mortgage at 65% LTV with a vacant shop unit in Margate

£378,000 at 70% LTV for a pharmacist buying her shop and the flat above

£280,000 asset finance covering 80% of the cost of new plant for an Essex contractor

£750,000 acquisition loan at 54% of purchase price for a Midlands estate agency

£400,000 invoice finance facility for a growing London recruitment firm

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