Our service and turnaround times
Figures accurate as of 17th June 2021
Dips Reviewed
within 24 hours
Applications Reviewed
within 72 hours
Documents Assessed
within 48 hours
Valuations Assessed
within 96 hours
Telephone average wait time
47 seconds
We're no stranger to difficult cases. Don't believe us?
Read on.
At the mortgage lender we are dedicated to lending... the name's a dead giveaway. The following cases show how we've helped people with unusual circumstances buy homes.
All case types
This is a list of all our case studies. You can filter them by the specific type of case.We’re not anti-social
FreelancerA career in social media can be hard to quantify but we enjoy a good challenge. We helped a freelance Glasgow-based vlogger secure a mortgage and move into her dream house.
A 23-year-old Glasgow-based vlogger was making her money from a make-up and lifestyle vlog she’d seen blossom in the previous 12 months. Here at The Mortgage Lender HQ we put our noggins together and helped her secure a £240,000 mortgage at 80% LTV. We took the view that working as a vlogger was a sustainable occupation and offered her the loan on a 2.96% two-year fixed-rate deal. She got the mid-terraced house she’d always wanted and we got this nifty little story to tell. Result.
- 80% LTV
- 2.96% 2 year fixed rate
If you have a similar case
A perfect match
FreelancerBeing a professional footballer definitely has it’s perks, but this one found getting the right mortgage to be difficult. Good job we were there to supply the perfect through-ball. Get in.
Despite having significant earnings — we’re talking a premier league wage — this footballer found it difficult to get a mortgage as he was considering early retirement. As a youthful footballer and non-UK national we decided to lend him £840,000 at 70% LTV. We offered him a rate of 3.39% on a two-year tracker with evidence of four years’ income on a fixed-term contract. Thanks to our assistance he was able to secure the detached house he wanted. Back of the net.
- £840,000 loan
- Close to retirement
If you have a similar case
Plain Sailing
FreelancerThis 30-year-old ran a shipping security consultancy business with his 34-year-old wife. Translation? He was an expert at fighting pirates. But with only one year of accounts they almost had to walk the plank.
This 30-year-old had employed his 34-year-old wife to help run his business, but they only had one year of accounts. We delved in to his history and found that his ex-military background meant that his expertise was in high demand, so we had no problem lending them the money. The couple had evidence of one year’s income and borrowed £580,000 at 77% LTV on a two year fix at 2.52%. They got the house they wanted and could sail happily into the sunset. Metaphorically of course.
- 1 year of accounts
- £580,000 loan
If you have a similar case
Penalty, what penalty?
FreelancerBeing the manager of a high-profile football club can be stressful. That’s probably why they chew so much gum. But when it comes to finding a mortgage we’re experts in relieving the pressure.
Despite having a hefty deposit, this football manager couldn’t get a mortgage on the basis of standard underwriting. But we aren’t your standard mortgage lender. We found that he had been on a full-time managerial contract with an English Championship club since 2013. That sounded pretty good to us, so we stepped in and lent him £440,000 with an 80% LTV. We gave him a 2.96% two-year fixed rate and he was able to buy the detached house his heart desired. With three years’ income from his fixed-term contract and a high profile within the beautiful game, we were confident he could realistically secure future employment, enabling pay back of the loan. With that weight lifted from his shoulders, he could focus on getting his team promoted.
- 2.96% two year fixed rate
- £440,000 loan
If you have a similar case
Market(ing)
FreelancerThis successful marketing manager wanted a mortgage to buy herself a flat. With accounts dating back just one year, her hands were tied. Luckily we’re pretty good with knots.
Difficult cases? We rub our hands together and get stuck right in. When faced with a 49-year-old marketing manager with accounts dating back just one year, a lot of other lenders might have shied away. Not us. We decided that her track record in the industry — several contracts in recent years with global brands — Meant we were confident in providing her with a mortgage. We gave her a loan of £352,750 at 84% LTV on a 5.85% two-year fixed rate.
- One year of accounts
- 84% LTV
If you have a similar case
On the nose
FreelancerThis jockey was finding it hard to secure a loan because of his adverse credit, even though he had doubled his income in the last year. Luckily, we galloped to the rescue.
After an extremely fortunate year that saw him double his income, this successful jockey was looking for a mortgage to buy a detached house. The fact that he had adverse credit was proving to be a bit of a fence in his path, but we encouraged him to keep riding and jump on over. We lent him £770,000 at 70% LTV with a 5.07% two-year tracker rate. Now there’s some numbers to be proud of.
- Adverse credit
- £770,000 loan
If you have a similar case
Our service and turnaround times
Figures accurate as of 17th June 2021
Dips Reviewed
within 24 hours
Applications Reviewed
within 72 hours
Documents Assessed
within 48 hours
Valuations Assessed
within 96 hours
Telephone average wait time
47 seconds
Get in touch
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