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Case Studies

Here are our latest case studies

Complex Income Change to Self-Employed Large Loan Case Study

• Share of profits after tax (minimum shareholding of 50% needed for us to consider)
• Credit Blips
• Large Loan - £2.16 million borrowing.

Self-Employed Case Study

• Most recent year income subject to sustainability at this level (no cap on the increase from the previous year)
• Discrepancies with income evidence that we worked with the accountants to understand.
• 90% Loan to Value

Self Build Case Study

• Self build with shared access
• Multiple plots for family members to build their own main residence and was able to consider the title as they ideally wanted
• NO ERC self build product

Self-Employed- Profits and Salary Case Study

• Profits after taxation and directors salary
• 1 full year trading with 1 year accounts
• No business statements required (this is out standard packaging requirements for self employed)

CIS Contractor Case Study

• Last 3 months payslips average and annualised over 52 weeks (standard is 48 weeks but holiday in this most recent 3 months)
• Only 1 year in industry and role for CIS contractors.
• Historic one off credit issues

BTL Portfolio Case Study

• No limit in number of properties that the portfolio landlord customer owns
• Consider up to 10 mortgages with Saffron and was able to consider 3 of the portfolio to remortgage to Saffron For Intermediaries
• No max age we can consider on a BTL – was able to help this customer beyond 80 years old to keep these properties in the customers portfolio

Self-Employed FTB Case Study

• One off pension contribution factored into the customers income
• Most recent years income.
• 90% Loan to Value for a First Time Buyer