Industry

Download Scenario; An existing member with us, looking to act as a guarantor as a PDF WHO’S THE CUSTOMER? An existing member, a borrower with a mortgage with us on a buy-to-let property in Beckenham, Bromley. They would like to become a guarantor for their parent’s home. WHAT’S THEIR SITUATION? Our member currently owns their […]

Download Scenario; Three incomes and lending into later life – Mum, Dad and Daughter…as a PDF WHO’S THE CUSTOMER? A family with three applicants. Mum and dad are helping out their daughter following her recent divorce. They want to purchase a property and have discussed the possibility of re-mortgaging their current home. But instead prefer […]

Download Scenario; An entrepreneur with a complex income…as a PDF WHO’S THE CUSTOMER? An entrepreneur with a complex income. A lender will need to use projected income to meet the needs of the customer. WHAT’S THEIR SITUATION?  The customer has sold the business they owned, after many years trading in private equity. They then started […]

Download Scenario; Self-build…converting a stable into a dream home as a PDF WHO’S THE CUSTOMER? A couple had found their ideal purchase… a stable they wanted to convert into their main residence and a place they call home. They had also received planning permission to do the works involved. WHAT’S THEIR SITUATION? They intended to […]

Download Scenario; Self-build…extension works to build a family home as a PDF WHO’S THE CUSTOMER? A professionally successful married couple, experienced and knowledgeable in their field. Looking to double the square footage of their property, to create their dream family home. WHAT’S THEIR SITUATION? Currently their property is valued at just over £1m and they […]

Download Scenario; Self-employed…and looking ahead to the future as a PDF WHO’S THE CUSTOMER? A successful professional who owned and ran a business with his wife. He was going through a divorce settlement and looking to purchase his wife’s 50% share of the business. He had found a new property he wanted to purchase. WHAT’S […]

Download Scenario; Residential…returning to the UK with no credit track record as a PDF WHO’S THE CUSTOMER? A professionally successful married couple working in the banking sector who have lived and worked abroad for a considerable number of years. WHAT’S THEIR SITUATION? After much deliberation of a new opportunity, they decide they want to return […]

Download Scenario; Residential…using a bonus income and stock to complete purchase as a PDF WHO’S THE CUSTOMER? A Managing Director of a large successful business with a basic salary of around £200,000. They also received bonuses, both in cash and within vested stock, released over a three year period. WHAT’S THEIR SITUATION? They would require […]

Download Scenario; Residential…A professional solicitor, recently become self-employed…as a PDF WHO’S THE CUSTOMER? A self-employed solicitor, having recently started their own business only 12 months previous. Before this they were employed within a business as a solicitor. WHAT’S THEIR SITUATION? Looking to move and had seen a property they liked, valued at £1.4m. This would […]

Download Scenario; Using guaranteed bonuses and commission as a top up…as a PDF WHO’S THE CUSTOMER? A customer works for one of the world’s leading online retailers, a worldwide business and which millions of customers use frequently. He had just started a job as a Senior Project Manager on a basic salary of £135,000 a […]