Case 1

Applicant: Mr. Z
Age: 55
Occupation: entrepreneur
Visa: t1 investor visa.
Source of income: income of domestic enterprises.

Loan demand: to purchase buy to let property. The price of the property is 850k, which requires 60% of the loan.

Difficult points:

He came to UK only a few months ago, so the credit record has just been established and the credit score is extremely low;

Only Chinese incomes, no income in the UK;

The situation of assets and liabilities is complex and the debt limit is relatively large. The mortgage application has been rejected by a branch of a Chinese bank in UK.

Results: We analyzed the case of Mr. Z comprehensively with our fully understanding of the local bank policy. We also communicated actively with the bank and explained Mr. Z situation, Finally, the bank successfully accepted the application and approved the mortgage application within 3 weeks.

Case 2

Applicant: Mr. T

Age: 35

Occupation: white-collar worker in British financial industry

Visa: permanent residence

Source of income: British financial company salary.

Loan demand: Mr. T would like to purchase the residential property. The value of the property is 550k and the loan requirement is 85%.

Difficult points:

The loan amount is five times larger than the income.

Mr. T has bonus incomes. However, as the majority of banks require, only 50% of the bonus can be included in the income, which will make it difficult to meet the loan amount.

Result: We successfully borrowed the ideal amount for Mr. T. with appropriate bank and product by our fully understanding of the bank loan policy.

Case 3

Applicant: Mr. M

Age: 30

Occupation: self-employed.

Nationality: permanent residence

Source of income: business income.

Loan demand: Mr. T owned several residential and investment properties with no loans. He needs a loan to buy an investment property.

Difficult points:

The credit record is bad, Mr. M has been refused by banks many times. So he can only use cash to purchase a property.

Results:

According to our experience, we carefully prepared the loan scheme for Mr. M. Finally, we  successfully completed the loan for him with the appropriate bank and product. It also laid a good foundation for the reconstruction of his credit record, which opened up vast space for the later expansion of his property empire.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The Financial Conduct Authority does not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies. Not all services we offer are regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage. 

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