How Heron Financial Arranged a Coventry/Godiva Product Transfer for a Senior Executive with a New Consultancy Ltd Company
Heron Financial arranged a £417,000 product transfer with Coventry for Intermediaries (Godiva Mortgages) for joint applicants, combining a senior PAYE income with a limited company consultancy in its first year of trading. The mortgage sat at approximately 70% LTV against a current valuation of £597,000 , with the second applicant not currently in paid employment. […]
How Heron Financial Arranged a Clydesdale Bank Product Transfer for a Self-Employed Scaffolder with Two Years of Trading Accounts
Heron Financial arranged a £195,000 product transfer with Clydesdale Bank for a Self-Employed Scaffolder running a Ltd company with two years of trading accounts. The mortgage sat at approximately 65% LTV against a current valuation of £300,000 on a purpose-built flat with an 80-year lease. The new product took effect in March 2025. The client […]
How Heron Financial Arranged a Halifax Product Transfer for a Solicitor with Combined PAYE and Ltd Company Income
Heron Financial arranged a £214,000 product transfer with Halifax Intermediaries for a solo Solicitor combining a PAYE legal role with a 100%-owned Ltd company carrying seven years of trading accounts. The mortgage sat at approximately 54% LTV against a purpose-built flat with a 250-year lease, originally purchased through Help to Buy. The new product took […]
Remortgage success avoiding recurrence of purchase issue
Summary Concern prior issue would delay flat remortgage process. The remortgage process was successfully navigated to avoid issues and delays with a new lender. £603,000 repayment mortgage approved on a flat valued at £930,000 at a 2 year fixed rate of 0.99%. The client An existing client was looking to remortgage at a competitive mortgage […]
Mortgage secured for lawyer after client’s own bank declines income evidence and refuses property risk
Summary Broker expertise secures mortgage after client’s own bank refuses income proof £600,000 property purchase, 85% mortgage of £510 000 with an interest rate of 1.9% Property built on former petrol station site normally barrier to mortgage lending Our Client The client was a lawyer who’d been with his firm for 4 years and owned […]