Joint Buy-to-Let Mortgage at 55% LTV in Sheffield, Funded by Equity from the Main Home
Heron Financial arranged a £122,000 buy-to-let mortgage at 55% LTV for joint clients in Sheffield, a self-employed business owner and director and a business manager in employment, purchasing a £220,000 three-bedroom detached house as a rental investment. The £98,000 deposit was funded by equity released from the clients’ main home, with their existing residence valued […]
Joint Buy-to-Let Purchase at 49% LTV: Mixed Employed and Self-Employed Couple Buying a Four-Bed Detached in Peterborough
Heron Financial arranged a £221,000 buy-to-let mortgage at 49% LTV for a couple in their 30s, one employed in utilities, the other self-employed in finance, purchasing a £450,000 four-bedroom detached house in Peterborough as a rental investment. The £229,000 deposit was funded by equity released from an existing property, with the strong deposit position landing […]
Limited Company Buy-to-Let Mortgage Through an SPV: 65% LTV Flat Purchase via The Mortgage Lender
Heron Financial arranged a £121,000 buy-to-let mortgage at 65% LTV for a joint application purchasing a £187,000 purpose-built flat in Staffordshire through a newly set-up limited company SPV. The clients funded the £65,000 deposit from savings and wanted long-term rate certainty on their first SPV purchase. Heron Financial placed the case with The Mortgage Lender […]
£454,000 Santander Remortgage on a £4.5m Home for a Ltd 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 […]
Mortgage for a Company Director with Concurrent Contracting Income: £285,000 Halifax Product Transfer at 71% LTV on a Help to Buy Home
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. […]
Mortgage for a Hospitality Business Owner with a PAYE Partner: £227,000 Barclays Product Transfer at 58% LTV
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. […]
Leeds Building Society Remortgage for a Multi-Business Owner: Ltd Company and Coffee Shop on a £46,000 Loan at 9% LTV
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 […]