As we move into the last quarter of the year, many mortgage brokers are sharing a common goal: maintaining a healthy pipeline and giving cases the best chance of reaching completion.
With seasonal demand shifting and borrowers looking to leverage property equity, Holiday Let cases require underwriting that reflects real-world trading, not standard AST metrics.
A broker approached us with a client who had BTLs in personal name, and this was their first within a Limited Company structure. It was a time-sensitive transaction for a client who's previous broker was unable to place the case.
The regulatory and economic landscape of 2026 has brought structural shifts to the private rental sector with the implementation of the Renters' Rights Act. In many cases, smaller landlords with one rental property have found the tax implications of...
Automated credit scoring models have their place, but what happens when a credit-worthy client falls just outside the box?
From a fully packaged submission to collecting the keys in two weeks, this recent case involved a single applicant with a Shared Ownership property navigating a scenario that often trips up automated systems.
The broker approached us with a sole applicant in need of a high-LTV residential mortgage that presented a few obstacles.
This Shared Ownership case was complex from the outset. Despite a 25% share purchase at 95% LTV, the client faced several barriers.
