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Client with 4 months self employed history secures home purchase

Specialist residential mortgage case study of the month


Our client wanted to make an onward purchase of a property with a value of £510k at 49% LTV.


The client had a clear credit history but the issue was with his employment status.  Having been employed within his profession for over 10 years, he had been presented with an opportunity to work for several companies.  As a result, the client had gone self-employed 4 months prior to the application, which severely limited the lending options available.



We have several lenders that we’re able to discuss the merits of a case with, and on this occasion, Secure Trust Bank were able to lend to the client as they were satisfied with his 10 year history within his profession.


The client was offered a choice of the following rates:

  • 2.39% – 2 year fixed
  • 2.89% – 3 year fixed
  • 3.09 – 5 year fixed

All products carried a flat fee of £999


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