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 […]
How Heron Financial Arranged a Halifax 94.7% LTV Mortgage for a Solo Teacher Using a Gifted Deposit
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% […]
How Heron Financial Arranged a NatWest Mortgage on a Newcastle Flat with Title Splitting and New Lease Creation
Heron Financial arranged a £45,000 mortgage with NatWest Intermediary Solutions at an initial fixed rate of 4.39% on a 2-year fix for a solo self-employed buyer purchasing one of two flats on a single freehold in Newcastle upon Tyne. The transaction required title splitting and the creation of new leases for both flats. The mortgage […]
How Heron Financial Arranged a Halifax First Homes Scheme Mortgage at 4.00% for a Solo First-Time Buyer in Kent
Heron Financial arranged a £119,000 mortgage with Halifax Intermediaries at an initial fixed rate of 4.00% on a 2-year fix for a solo first-time buyer purchasing a home in Kent through the First Homes Scheme. The scheme discount of £60,000 sat alongside £21,000 of personal savings to make up the deposit, placing the loan at […]
How Heron Financial Arranged a £238,000 Halifax Mortgage at 90% LTV for a Solo Buyer in London
Heron Financial arranged a £238,000 mortgage with Halifax Intermediaries at an initial fixed rate of 4.89% for a solo buyer purchasing a £265,000 purpose-built flat in London. With a 10% deposit, the case sat at 90% LTV, where lender choice and affordability headroom matter more than headline rate alone. The client The client was a […]
How Heron Financial Arranged a NatWest Mortgage for a Self-Employed Plasterer with One Year of Accounts
Heron Financial arranged a £130,000 mortgage with NatWest Intermediary Solutions for joint applicants buying a £180,000 terraced home, with the lead applicant a self-employed sole-trader plasterer carrying two years of trading and one year of completed accounts. The case completed in September 2025 at approximately 72% LTV, with a £50,000 deposit funded from personal savings. […]
How Heron Financial Combined Forces Help to Buy and Mixed Self-Employed Income on a Joint Mortgage with Nationwide
Heron Financial arranged a £203,000 mortgage with Nationwide for Intermediaries for joint applicants buying a £233,000 semi-detached home, combining a £13,000 Forces Help to Buy contribution with £16,000 in personal savings to fund the deposit. One applicant carried both an employed Forces role and six years of self-employed trading as a Dance Teacher, an income […]
South West London Joint Buyers Bought a £420,000 Flat with a 90% LTV Nationwide Mortgage
Heron Financial arranged a £378,000 mortgage with Nationwide for Intermediaries at an initial fixed rate of 4.34% on a 5-year fix for joint applicants buying a £420,000 purpose-built flat in South west London. With a 10% deposit, the loan sat at 90% LTV. The application was submitted to Nationwide one day after the first appointment, […]
How Heron Financial Arranged a £163,000 Barclays Mortgage at 4.89% for a Solo Buyer in Birmingham
Heron Financial arranged a £163,000 mortgage with Barclays at an initial fixed rate of 4.89% on a 2-year fix for a solo buyer purchasing a £209,000 purpose-built flat in Birmingham. The client put down a £45,000 deposit, placing the loan at 78% LTV. The 2-year fixed product gives short-term payment certainty with an early review […]