Mortgage with Title Splitting and New Lease Creation: £45,000 NatWest at 4.39% on the First of Two Newcastle Flats
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 […]
First Homes Scheme Mortgage with Halifax: £119,000 at 4.00% for a Solo First-Time Buyer in Kent with a £60,000 Scheme Discount
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 […]
£238,000 Halifax Mortgage at 4.89% for a Solo Buyer with a 10% Deposit on a London Flat
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 […]
Mortgage for a Self-Employed Plasterer with 1 Year of Accounts: £130,000 NatWest at 72% LTV
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. […]
Forces Help to Buy + Self-Employed Side Income: £203,000 Nationwide Mortgage at 87% LTV for Joint Buyers
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, […]
£163,000 Barclays Mortgage at 4.89% for a Solo Buyer on a Birmingham Flat at 78% LTV
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 […]
Sheffield Joint Home Movers Secure £362,000 Mortgage at 58% LTV with £267,000 Deposit
Heron Financial advised joint applicants buying a £630,000 semi-detached house in Sheffield, structuring a £362,000 mortgage at 58% LTV on a 2-year fixed rate. The clients put down a £267,000 deposit funded by the sale of their previous home combined with personal savings, which placed the borrowing in the sub-60% LTV bracket where the most […]
How a 40% Deposit Helped Two First-Time Buyers Secure a 60% LTV Fixed Rate on a Flat in Bracknell
First-time buyers with a large deposit can usually access the same competitive fixed rates as home movers and remortgagers, because mainstream lenders price their mortgages by loan-to-value (LTV), not by buyer status, and not by whether the property is a house or a flat. In this case, Heron Financial helped a Bracknell couple aged 25–34 […]
Remortgage enables future upsizing with 0.84% rate to save time, money, and hassle
Summary Flexible residential remortgage to enable future upsizing. Highly competitive remortgage rate of 0.84% 2-year-fixed. Busy, professional couple saves time, money, and inconvenience. Our Client The clients were a married couple; he was a Company Director, and she was a Doctor. They wanted to remortgage their current property while considering that they may upsize in […]