How Heron Financial Remortgaged a £4.5m Home for a Self-Employed Company Director with 26.94% Shareholding
Heron Financial arranged a £454,000 remortgage with Santander for Intermediaries on a £4,500,000 detached home for a self-employed limited company CEO holding 26.94% of the business, with a homemaker joint applicant. The remortgage placed the loan at approximately 10% LTV and was structured deliberately to reduce the borrowing. The case completed in January 2025. The […]
How Heron Financial Arranged a Halifax Product Transfer for a Company Director with Concurrent Contracting Income
Heron Financial arranged a £285,000 product transfer with Halifax Intermediaries for a solo borrower combining a Company Director role with separate contracting income carrying four years of trading history. The mortgage sat at approximately 71% LTV against a £399,000 semi-detached home, originally purchased through Help to Buy. The new product took effect in January 2025. […]
How Heron Financial Arranged a Barclays Product Transfer for a Hospitality Business Owner and PAYE Partner
Heron Financial arranged a £227,000 product transfer with Barclays for joint applicants, one a self-employed hospitality business owner running a Limited company they fully owned with six years of trading accounts, the other a PAYE earner. The mortgage sat at approximately 58% LTV against a £390,000 terraced home, just inside the cheapest mainstream pricing tier. […]
How Heron Financial Arranged a Leeds Building Society Remortgage for a Multi-Business Self-Employed Owner
The client was a solo self-employed borrower running two separate businesses: a 100%-owned Ltd company, and a separately-operated coffee shop. They lived in a terraced home originally bought for £425,000, now valued at around £500,000. The mortgage on the property had been paid down significantly over time, leaving a balance of £46,000 against a substantial […]
Senior PAYE Executive with 1-Year Ltd Company Consultancy Income Secured a £417,000 Coventry/Godiva Product Transfer at 70% LTV
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. […]
Self-Employed Scaffolder with 2 Years’ Trading Secured a £195,000 Clydesdale Product Transfer at 65% LTV
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 […]
Solicitor with PAYE and Ltd Company Income Secured a £214,000 Halifax Product Transfer at 54% LTV
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 […]
How Heron Financial Arranged a NatWest Product Transfer for Joint Ltd Company Directors with 50/50 Shareholding
Heron Financial arranged a £241,000 product transfer with NatWest Intermediary Solutions for joint applicants who are both directors of the same limited company with a 50/50 shareholding split, drawing salary and dividends from the business. The mortgage sat at approximately 63% LTV against a £385,000 terraced family home, and the new product took effect in […]
How Heron Financial Arranged a Nationwide Product Transfer for a Self-Employed Company Director with Multiple Employed Roles
Heron Financial arranged a £279,000 product transfer with Nationwide for Intermediaries for a Self-Employed Ltd Company Director with 20 years of trading accounts and multiple concurrent employed roles. The mortgage sat at approximately 50% LTV against a £561,000 purpose-built flat with a 125-year lease, originally purchased through Help to Buy. The new product took effect […]
How Heron Financial Ported a 1.89% TSB Mortgage to a New £835,000 Home for Self-Employed Directors
Heron Financial preserved a 1.89% fixed rate by porting the clients’ existing TSB mortgage to a new £835,000 detached home, with £200,000 of borrowing carried over and a £635,000 deposit funded from the sale of their previous property. The case completed in August 2025 after Heron Financial worked through three specific challenges: a tightening porting […]