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• Limited company purchase, 75% LTV • Renovated pre-completion, boosted value • No bridging finance required
• 100% self-employed & 90% property income accepted • Interest-only borrowing, 75% LTV • Enabled onward purchase with diverse income streams
• £2.4m mortgage for £3m home, 80% LTV • No loan to income multiple cap • Flexible approach to income & credit • Premier Income product made it possible
• Share of profits after tax (minimum shareholding of 50% needed for us to consider) • Credit Blips • Large Loan - £2.16 million borrowing.
• 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
• Manual affordability review, 49% LTV • Ignored one-off expenses for fairer assessment • Approved where others declined
• 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
• 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)
• 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
• 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
• One off pension contribution factored into the customers income • Most recent years income. • 90% Loan to Value for a First Time Buyer
• 4 units • Ground-up development • 65% Loan to Cost
