Solo First-Time Buyer Mortgage at 87% LTV: Three-Bed Terrace in Sheffield for a Retail Operations Professional
Heron Financial arranged a £193,000 mortgage at 87% LTV for a solo first-time buyer in Sheffield, a retail and operations professional in their 30s, purchasing a £223,000 three-bedroom terraced house with a £30,000 deposit made up of £11,000 in personal savings and an £18,000 family gift. The case was a clean solo single-income application at […]
Solo First-Time Buyer Mortgage at 87% LTV: Three-Bed Terrace in Sheffield for a Retail Operations Professional
Heron Financial arranged a £193,000 mortgage at 87% LTV for a solo first-time buyer in Sheffield, a retail and operations professional in their 30s, purchasing a £223,000 three-bedroom terraced house with a £30,000 deposit made up of £11,000 in personal savings and an £18,000 family gift. The case was a clean solo single-income application at […]
First Homes Scheme Mortgage for a Solo First-Time Buyer in Kent
Heron Financial arranged a £119,000 mortgage at 59.5% LTV for a solo first-time buyer in Kent, purchasing a purpose-built flat at a discounted price of £200,000 through the First Homes Scheme. The £60,000 scheme discount sat alongside £21,000 of personal savings to make up the deposit position, with the lender calculating LTV against the discounted […]
Solo First-Time Buyer Mortgage in North West London: 85% LTV New-Build Flat Using Savings Plus Builder Gifted Deposit
Heron Financial arranged a £315,000 mortgage at 85% LTV for a solo first-time buyer in North West London, purchasing a £371,000 purpose-built new-build flat. The client funded most of the £55,000 deposit themselves with £37,000 in personal savings, topped up by an £18,000 builder gifted contribution, a structure that lifted the case out of the […]
Tier 2 Visa First-Time Buyer Mortgage for a Ltd Company Director: 90% LTV New-Build with Builder Gifted Deposit
Heron Financial arranged a £486,000 mortgage at 90% LTV for a first-time buyer on a Tier 2 visa, purchasing a £540,000 new-build detached house in Buckinghamshire with a £54,000 deposit made up of £27,000 in personal savings and a £27,000 builder gifted contribution. The client is a self-employed limited company director with two years’ accounts, […]
Joint First-Time Buyer Mortgage in Middlesbrough at 95% LTV with a £9,000 Deposit
Heron Financial arranged a £171,000 mortgage at 95% LTV for joint first-time buyers in Middlesbrough, purchasing a £180,000 terraced house with a £9,000 deposit made up of £3,000 in personal savings and a £6,000 family gift. With only 5% deposit available, the priority was matching the case to a mainstream lender comfortable lending at the […]
First-Time Buyer Mortgage in Leeds Using a £140,000 Family Gifted Deposit to Keep Borrowing Low
Heron Financial arranged a £115,000 mortgage at 45% LTV for a solo first-time buyer in Leeds, purchasing a £255,000 purpose-built flat with a £140,000 gifted deposit from family. With more than half the purchase price already covered, the priority was matching the strong deposit position to a lender and product that rewarded the low LTV. […]
Joint First-Time Buyer Mortgage for Nigerian Nationals with Indefinite Leave to Remain, on the 2-Year Fix the Clients Actually Wanted
Heron Financial arranged a £320,000 mortgage at 83% LTV for joint first-time buyers, both Nigerian nationals with Indefinite Leave to Remain, purchasing a £385,000 new-build home with a £65,000 deposit made up of £50,000 in savings and a £15,000 builder gifted contribution. The clients had been advised elsewhere to take a 5-year fixed rate, but […]
Tier 2 Visa First-Time Buyer Mortgage for a Self-Employed Company Director with a Builder Gifted Deposit
Heron Financial arranged a £278,000 mortgage at 90% LTV for a first-time buyer on a Tier 2 visa, purchasing a new-build home for £309,000 with a deposit made up of personal savings and a builder gifted contribution. The client, a Zimbabwean national and self-employed director of a limited company with a 40% shareholding, already held […]
£350,000 Halifax Mortgage at 95% LTV with a £18,000 Family Gifted Deposit: Solo Teacher in London
Heron Financial arranged a £350,000 mortgage with Halifax Intermediaries at an initial fixed rate of 4.76% on a 2-year fix for a solo first-time buyer Teacher purchasing a £370,000 terraced home near London. The £19,000 deposit was made up of £18,000 in family gift and £1,000 in personal savings, placing the loan at approximately 95% […]