NatWest Product Transfer for Joint Directors of the Same Limited Company 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 […]
Nationwide Product Transfer for a Ltd Company Director with 20 Years Trading and Multiple PAYE 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 […]
Porting a 1.89% TSB Mortgage to an £835,000 Home for Self-Employed Ltd Company 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 […]
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 […]