£34,000 NatWest Mortgage at 14% LTV for a Solo Buyer Keeping Capital Free: Completed in 4 Weeks
Heron Financial arranged a £34,000 mortgage with NatWest Intermediary Solutions at an initial fixed rate of 4.40% on a 5-year fix for a solo buyer purchasing a £246,000 terraced home in Berkshire. With a £211,000 deposit, the loan sat at 14% LTV. The case ran from first conversation to completion in approximately four weeks, with […]
£607,000 HSBC Mortgage at 4.03% for New Build Home Movers with a 15% Deposit at 85% LTV in Kent
Heron Financial arranged a £607,000 mortgage with HSBC for Intermediaries at an initial fixed rate of 4.03% for joint home movers buying a £715,000 new build detached house in Kent. The £107,000 deposit was made up of £80,000 from the sale of their previous property and £27,000 in personal savings, placing the loan at approximately […]
£307,000 TSB Home Mover Mortgage at 3.89% with a 25% Deposit from Sale Proceeds in Sheffield
Heron Financial arranged a £307,000 mortgage with TSB Bank at an initial fixed rate of 3.89% on a 2-year fix for joint home movers buying a £410,000 semi-detached home in Sheffield. The clients put down a £102,000 deposit funded entirely from the sale of their previous property, placing the loan at 75% LTV. The case […]
First-Time Buyer New Build Mortgage with a 5% Builder Deposit Contribution: £315,000 Barclays at 4.00% in London
Heron Financial arranged a £315,000 mortgage with Barclays at an initial fixed rate of 4.00% on a 5-year fix for a solo first-time buyer purchasing a £371,000 purpose-built new flat in London. The £55,000 deposit was made up of a £18,000 builder gift from the developer (5% of the purchase price) and £37,000 of personal […]
Santander Product Transfer for a Self-Employed Landscaper: £164,000 Sole Trader Mortgage at 50% LTV on 2 Years of Accounts
Heron Financial arranged a £164,000 product transfer with Santander for Intermediaries for joint applicants led by a self-employed sole-trader landscaper with two years of net profit history. The mortgage sat at approximately 50% LTV against a £327,000 purpose-built flat with a 999-year lease. The new product took effect in January 2025. The clients The clients […]
Mortgage for a Day-Rate Contractor with 18 Years’ Trading: £96,000 Halifax Product Transfer at 18% LTV
Heron Financial arranged a £96,000 product transfer with Halifax Intermediaries for a solo day-rate contractor with 18 years of civil engineering contracting history. The mortgage sat at approximately 18% LTV against a purpose-built flat valued at £531,000 with a 125-year lease. The new product took effect in January 2025. The client The client was a […]
Same-Day NatWest Mortgage Offer: £72,000 at 4.01% for a Solo Buyer with Two Dependants in Birmingham
Heron Financial arranged a £72,000 mortgage with NatWest Intermediary Solutions at an initial fixed rate of 4.01% on a 5-year fix for a solo buyer with two dependants purchasing a £242,000 semi-detached home in Birmingham. The formal mortgage offer was issued on the same day the application was submitted, and the loan sat at 30% […]
Company Director Buyer Secured a £177,000 Santander Mortgage at 42% LTV
Heron Financial arranged a £177,000 mortgage with Santander for Intermediaries at an initial fixed rate of 4.35% on a 2-year fix for joint applicants buying a £420,000 terraced home in Newcastle upon Tyne. With a £242,000 deposit, the loan sat at 42% LTV, comfortably inside the sub-60% bracket where the cheapest mainstream rates live. The […]
Solo Applicant with Two Dependants Secured a £93,000 Aldermore Mortgage at 85% LTV in Liverpool
Heron Financial arranged a £93,000 mortgage with Aldermore Mortgages at an initial fixed rate of 4.99% on a 5-year fix for a solo applicant with two dependants buying a £110,000 terraced home in Liverpool. With a £16,000 deposit, the loan sat at 85% LTV. The case was placed with a specialist lender to suit the […]
Company Director and Photographer Secured a £386,000 Virgin Money Mortgage at 71% LTV in South London
Heron Financial arranged a £386,000 mortgage with Virgin Money at an initial fixed rate of 4.44% on a 5-year fix for joint applicants buying a £540,000 purpose-built flat in South London. With a £154,000 deposit, the loan sat at 71% LTV. Heron recommended a 5-year fixed term to lock in payment certainty for the medium […]