Joint Remortgage with Capital Raise: Releasing Equity at 75% LTV on a Single Working Income
Heron Financial arranged a £528,000 remortgage at 75% LTV for joint applicants in London, one working in an insights and strategy role, the other a homemaker, releasing equity from a three-bedroom terraced house valued at £705,000. With affordability resting entirely on a single working income, the priority was matching the case to a lender comfortable […]
Joint Remortgage with Capital Raise: Mixed Employed and Self-Employed Income, 62% LTV with Accord Mortgages
Heron Financial arranged a £270,000 remortgage at 62% LTV for joint clients in South London, one working in engineering inspection (employed) and the other a self-employed fitness professional, releasing equity from a two-bedroom terraced house valued at £434,000. The case combined a remortgage with capital raise structure with the income assessment requirements of a self-employed […]
Joint Remortgage with Capital Raise: Mixed Employed and Self-Employed Income, 62% LTV with Accord Mortgages
Heron Financial arranged a £270,000 remortgage at 62% LTV for joint clients in South London, one working in engineering inspection (employed) and the other a self-employed fitness professional, releasing equity from a two-bedroom terraced house valued at £434,000. The case combined a remortgage with capital raise structure with the income assessment requirements of a self-employed […]
Joint Remortgage with Capital Raise at 84% LTV: Mixed Employed and Self-Employed Income with Accord Mortgages
Heron Financial arranged a £260,000 remortgage at 84% LTV for joint clients in Sheffield, one working in events and venue management, the other a self-employed business owner and director, releasing equity from a three-bedroom semi-detached family home valued at £310,000. The case combined a capital raise into the higher-LTV pricing tier with the income assessment […]
Three-Applicant Remortgage with Capital Raise Completed in 22 Days: A £635,000 Family Home in Enfield
Heron Financial arranged a £422,000 remortgage at 66% LTV for three joint applicants in Enfield, all in their 40s and working across business and healthcare sectors. The case ran from initial conversation to completion in just 22 days, exceptionally fast for any mortgage, particularly a multi-applicant remortgage with capital raise on a property valued at […]
£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 […]
£439,000 Nationwide Remortgage at 4.49% for Joint Applicants at 90% LTV with Limited Equity 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 […]
Mortgage for a Contractor with Concurrent PAYE Income: £239,000 Halifax Product Transfer at 47% LTV on a Help to Buy Flat
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 […]