Real London Mortgage Scenarios: How We Found Solutions
Every mortgage application is different. These anonymised case studies show how we helped London clients with complex situations find the right lender and secure the mortgage they needed — when the high street said no.
Names and identifying details have been changed to protect client confidentiality. Scenarios are illustrative of real cases handled.
Self-Employed Architect Buys in Greenwich
Growing business income used in full to unlock a higher offer than high street banks would consider
Loan amount
£356,000
LTV
75.7%
NHS Consultant Secures £850,000 Mortgage
Private practice income counted in full alongside NHS salary to reach a £1.1M Richmond property
Loan amount
£850,000
LTV
77.3%
IT Contractor Buys in Canary Wharf
Day rate income used in full to secure a Canary Wharf apartment, despite a recent contract gap
Loan amount
£416,000
LTV
80%
First-Time Buyer Gets on the Ladder in Hackney
Gifted deposit accepted and minor adverse credit looked past to secure a 95% LTV mortgage in E8
Loan amount
£351,500
LTV
95%
Company Director Builds London Buy-to-Let Portfolio
BTL mortgage secured on rental income assessment, not the director's tax-efficient personal salary
Loan amount
£292,500
LTV
75%
Skilled Worker Visa Holder Buys First London Home
UK mortgage secured for a Nigerian software engineer on a Skilled Worker visa with 3 years remaining
Loan amount
£248,000
LTV
80%
Remortgage After Debt Management Plan
Saving £387 a month by remortgaging off an 8.1% SVR two years after completing a Debt Management Plan
Loan amount
£198,000
LTV
58.2%
Why complex cases need a whole-of-market broker
The case studies above have one thing in common: the clients had already been declined or under-offered by at least one high street lender before coming to us. That is not unusual. High street banks process thousands of applications each week using automated scoring systems designed for straightforward income types and clean credit histories. When your situation falls outside those parameters, the system declines you and the bank does not always explain why.
We work differently. As a whole-of-market broker, we have access to over 90 lenders including specialist residential lenders, private banks, and dedicated adverse credit providers. We know which lenders have appetite for self-employed income, contractor day rates, foreign national applications, portfolio landlords, and applicants with historic credit issues.
We also know how to present your case. Underwriters are human, and a well-documented application with a clear narrative and supporting evidence gets a very different response to a bare application submitted through a comparison website. The preparation matters as much as the lender choice.
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Have a complex mortgage situation?
If a lender has already turned you down, or you are worried your income type or credit history will be a problem, talk to us. We assess your situation honestly and tell you which lenders are most likely to help.
Call 0844 884 9748 (Mon-Sat 9am-7pm)What type of mortgage do you need?
Select the option that best describes your property financing requirement. Our brokers specialise in complex London and international structures.
"Our goal is to understand your unique situation. Select a category and we'll match you with the right product and lender."
— Roger Cooper, Senior Mortgage Adviser
Your home may be repossessed if you do not keep up repayments on your mortgage.