First-time buyer mortgage in Kent with historic adverse credit: around £109,000 at 75% LTV using a fully gifted deposit
A first-time buyer in Kent with a history of defaults and late payments completed a mortgage of around £109,000 at 75% LTV in June 2026, using a deposit of around £36,000 gifted entirely by a family member. The first specialist lender approached could not make the numbers work once income was reassessed and a property […]
Solo Home Mover Mortgage in Sheffield: 75% LTV Semi-Detached House Purchase Using Property Sale Proceeds
Heron Financial arranged a £307,000 mortgage at 75% LTV for a solo home mover in Sheffield, purchasing a £410,000 semi-detached house with a £102,000 deposit rolled over from the sale of their previous home. The client wanted strong pricing and payment certainty on a clean home move with no chain complications carried over. Heron Financial […]
Home Mover Mortgage on a £715,000 New-Build Detached House at 85% LTV in Kent
Heron Financial arranged a £607,000 mortgage at 85% LTV for a home mover in Kent, purchasing a £715,000 new-build detached house. The £107,000 deposit was made up of £80,000 from the sale of the existing home and £27,000 in personal savings. The case needed a lender comfortable with new-build at a higher loan size and […]
Home Mover Mortgage at 30% LTV on a £425,000 New-Build, Combining Savings, a Family Gift and a Builder Incentive
Heron Financial arranged a £125,000 mortgage at just 30% LTV for a home mover in Bedfordshire, a Dutch national working in the care sector, purchasing a £425,000 new-build detached house. The £300,000 deposit was made up of £202,000 in personal savings, an £82,000 family gift, and a £15,000 builder gifted contribution. With the case sitting […]
New Build House in Kent: £340,000 Mortgage Placed With Barclays at 4.00%
You can get a mortgage on a new build house, and the lender’s valuation is usually the stage that decides how smoothly it goes. New build properties are assessed carefully because they can value below the agreed purchase price, so most lenders progress the application “subject to valuation” before issuing a formal offer. In this […]
Mortgage for an Indian National with ILR on a £627,000 House at 88% LTV, Placed with Danske Bank
Heron Financial arranged a £552,000 mortgage at 88% LTV for a home mover in Berkshire, an Indian national with Indefinite Leave to Remain, purchasing a £627,000 semi-detached house with a £75,000 savings deposit. The combination of higher loan size, higher LTV and a higher-value property narrowed the lender market sharply. Heron Financial placed the case […]
Joint Home Mover Mortgage at 38.5% LTV: Two Key Workers Buying a £400,000 Flat in London
Heron Financial arranged a £154,000 mortgage at 38.5% LTV for two joint applicants in London, a healthcare support worker and a logistics worker, purchasing a £400,000 purpose-built two-bedroom flat with £246,000 of equity from a previous property. The case also navigated a down valuation, with the property valued at £388,000 against the agreed purchase price […]
Joint Home Mover Mortgage for Two Education Professionals: 90% LTV Family Home Purchase in Sheffield
Heron Financial arranged a £427,500 mortgage at 90% LTV for two joint applicants in Sheffield, both education professionals, upsizing into a £472,500 four-bedroom terraced family home. The £45,000 deposit came from the sale of their existing property, putting the case at the top of the LTV band where lender choice narrows on higher loan sizes. […]
Joint Buyer Mortgage at 80% LTV on a £425,000 New-Build, Combining Inheritance with a Builder Gifted Deposit
Heron Financial arranged a £340,000 mortgage at 80% LTV for two joint applicants in Kent, one working in public sector operations, the other in a skilled trade, purchasing a £425,000 three-bedroom semi-detached new-build house. The £85,000 deposit combined a £63,000 inheritance with a £21,000 builder gifted deposit on top. Heron Financial placed the case with […]
Joint Buyer Mortgage at 82% LTV: Three-Bed Terraced House Purchase for a Couple in Clevedon
Heron Financial arranged a £240,000 mortgage at 82% LTV for two joint applicants in Clevedon, one working in administration and finance support, the other in sales, purchasing a £292,000 three-bedroom terraced house with a £52,000 deposit from personal savings. With one stable salaried income and one commission-driven sales income, the priority was placing the case […]