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A residential mortgage case study


The clients were a husband and wife who wanted to borrow 85% LTV to buy their first home. This seems straightforward, but there were a number of big obstacles.




The wife was an Indian national without permanent rights to reside in the UK, so the mortgage needed to be in the husband’s name only. However, he was paid in cash and had adverse credit, with three Defaults to his name. In addition, the home they were buying was a Laing Easiform construction property




Despite being paid cash, the husband did have payslips and had paid his income into the bank and so, following some extensive investigation we were able to find a lender that was comfortable with all of the obstacles.


The lender agreed to a 2-year fixed rate at 3.94%, with no valuation fee. We think this was a great option for clients with these circumstances.


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