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• Mixed UK and expat applicants supported • Non-standard construction and annexe welcomed • Early underwriting kept the case moving • Long-term BTL solution delivered
• Mixed UK and overseas Ltd Co BTL accepted • Capital raising for portfolio growth • 6-property portfolio supported • Funding delivered to unlock further investment
• Seasonal business with complex accounts • Future bookings showing as liabilities • £595k remortgage at 77% LTV agreed
• PCC warranty accepted on a knock down rebuild • Background BTL treated as self financing • Bonus income included in affordability • Case completed to support the client’s self build plans
• CIS contractor income assessed • JBSP with employed parent • 35-year term maintained • £225k at 95% LTV agreed
• Ground up multi unit scheme • Term extended to 24 months • Exit bridge prepared
• Multiple income sources • Long distance travel accepted • Expenses excluded
• Bitcoin heavy asset profile • Non standard affordability • £3m borrowing agreed
• Expat Buy to Let approach • Rental income used • Fast six week completion
• Term extended to age 80 • Business income and pensions • Interest only solution
• Salary plus retained profits • One year accounts accepted • Minor credit issue assessed
• 5% gifted deposit accepted • Sole applicant, complex credit • 95% LTV considered
• Mixed income accepted with one year’s accounts • Contractor and self employed earnings combined • Pragmatic assessment secured the mortgage
• Renovation funded beyond existing lender limits • End value assessment increased loan size • Flexible stage payments enabled the build
• Expat BTL approved at 75% LTV • Top slicing unlocked higher borrowing • First time landlord supported overseas
• 4 units • Ground-up development • 65% Loan to Cost
• One off pension contribution factored into the customers income • Most recent years income. • 90% Loan to Value for a First Time Buyer
• 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
• 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
• 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)
• 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
• Manual affordability review, 49% LTV • Ignored one-off expenses for fairer assessment • Approved where others declined
• 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
• Share of profits after tax (minimum shareholding of 50% needed for us to consider) • Credit Blips • Large Loan - £2.16 million borrowing.
• £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
• 100% self-employed & 90% property income accepted • Interest-only borrowing, 75% LTV • Enabled onward purchase with diverse income streams
• Limited company purchase, 75% LTV • Renovated pre-completion, boosted value • No bridging finance required
