Solo First-Time Buyer Teacher Mortgage at 95% LTV in Buckinghamshire with a Mostly Gifted Deposit
Heron Financial arranged a £350,000 mortgage at 95% LTV for a solo first-time buyer in Buckinghamshire, a French national working as a teacher, purchasing a £370,000 semi-detached house with a £19,000 deposit made up of an £18,000 family gift plus £1,000 of personal savings. The case needed a lender comfortable lending at the top of […]
Solo 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 a solo first-time buyer in Middlesbrough, a support worker purchasing a £180,000 semi-detached 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 on a single income, the priority was placing the case […]
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 semi-detached house 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. […]
Solo First-Time Buyer Mortgage in Sheffield: 85% LTV Semi-Detached House Purchase from Savings
Heron Financial arranged a £192,000 mortgage at 85% LTV for a solo first-time buyer in Sheffield, a support worker purchasing a £226,000 semi-detached house with a £33,000 deposit from personal savings. With no family gift, builder incentive or scheme involved, the priority was placing the case with a lender whose affordability and income treatment worked […]
Solo First-Time Buyer Mortgage in Sheffield: 90% LTV Three-Bed Terraced House Purchase from Savings
Heron Financial arranged a £193,000 mortgage at 90% LTV for a solo first-time buyer in Sheffield, a construction professional purchasing a £214,000 three-bedroom terraced house with a £21,000 deposit from personal savings. With a clean income and a 10% deposit saved entirely from earnings, the priority was placing the case with a lender whose affordability […]
Joint First-Time Buyer Mortgage at 90% LTV: Two Public-Sector Professionals Buying a £435,000 Home in South London
Heron Financial arranged a £391,000 mortgage at 90% LTV for joint first-time buyers in South London, one working in education, the other in cultural heritage, purchasing a £435,000 two-bedroom semi-detached house with a £43,500 deposit from personal savings. With both applicants in publicly funded professional roles and the loan size firmly in the higher bracket […]
Joint First-Time Buyer Mortgage at 90% LTV: Three-Bed Semi-Detached House in Bath for Two Young Professionals
Heron Financial arranged a £326,000 mortgage at 90% LTV for joint first-time buyers in Bath, one working in local government, the other in business operations, purchasing a £362,000 three-bedroom semi-detached house. The £36,000 deposit was made up of £21,000 in personal savings and a £15,000 family gift, with both applicants in steady employed roles in […]
Joint First-Time Buyer Mortgage at 90% LTV: A Family Home in Hertfordshire for a Couple with Mixed Income Levels
Heron Financial arranged a £414,000 mortgage at 90% LTV for joint first-time buyers in Hertfordshire, one working in energy analytics, the other in animal care, purchasing a £460,000 three-bedroom semi-detached house. The £46,000 deposit was made up of £20,000 in personal savings and a £26,000 family gift, with the loan stretching the limits of 90% […]
Solo Buyer Mortgage at 79% LTV on a £445,000 Two-Bed Converted Flat in London
Heron Financial arranged a £350,000 mortgage at 79% LTV for a solo buyer in London, a business and management professional, purchasing a £445,000 two-bedroom converted flat with a £95,000 deposit from personal savings. The case combined solo affordability on a meaningful loan with the specific lender criteria that apply to converted (period) flats rather than […]
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 […]