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 £439,000 Nationwide Remortgage at 4.49% for Joint Applicants in East London
Heron Financial arranged a £439,000 remortgage with Nationwide for Intermediaries at an initial fixed rate of 4.49% on a 5-year fix for joint applicants on a £490,000 semi-detached home in East London. With around £51,000 of equity in the property, the new mortgage sat at 90% LTV. Heron recommended a 5-year fixed term to lock […]
How Heron Financial Arranged a Halifax Product Transfer for a Contractor with Concurrent PAYE Income
Heron Financial arranged a £239,000 product transfer with Halifax Intermediaries for a solo borrower combining a Limited company contracting business with a concurrent PAYE finance consultant role. The mortgage sat at approximately 47% LTV against a £506,000 purpose-built flat with a 250-year lease, originally purchased through Help to Buy. The new product took effect in […]
Cheshire Family Secured a £157,000 Barclays Remortgage Despite Four Dependant Deductions
Heron Financial arranged a £157,000 remortgage with Barclays for joint applicants on a £235,000 terraced house in a town in Cheshire. The clients, a household of two adults and four children, moved onto a 2-year fixed rate at 67% LTV on a capital-and-interest basis, with completion in October 2025. The clients The clients were a […]
Mortgage offer in 3 days even with Coronavirus grant hurdle, in time for Stamp Duty holiday deadline
Summary Prior mortgage application declined through previous broker firm, so clients alarmed at no mortgage offer Coronavirus grant complication and Stamp Duty holiday deadline loomed 3 day turnaround of mortgage offer of £510,000 on £600,000 property at interest rate of 2.32% fixed for 2 years Our client Our clients were a couple who had engaged […]
Mortgage secured for dream home of £1.4m few would lend on
Summary £1.4m mortgage secured from traditional lender for dream home few would lend on. Mortgage rate: 2.09% two-year fixed rate. Mortgage value: £1.4m. Property value: £1.75m. Our clients Our clients were a couple with an existing, unencumbered property. They were seeking to purchase their dream home. Our clients had decided to retain their existing property, […]