A gentleman contacted me after being declined from is usual Bank whom he went direct to. He had a substantial deposit and more than adequate income. I asked him some questions and I knew straight away why he was declined. He was purchasing a house on 45 acres and his bank did not lend for properties on more than 25 acres. Many banks do so I was quick to obtain him formal finance approval with another bank.

A couple were buying their first home from a family member for a discounted purchase price. They had no savings and a lot of late payments on their personal and car loans. They went direct to their usual bank and were declined. They went to an inexperienced Mortgage Broker and were declined from two more banks. To say they were disheartened was an understatement! Together we set a plan in motion which took 3 months to carry out.

I consolidated their personal debts into one easy to manage loan. I structured their loan application with the right lender that would recognise the equity in the property as their deposit. I obtained them formal finance approval on their first home loan application with me.

A couple came to me because the man was out of work, had stopped making home loan repayments and his home was being repossessed by his bank. They were locked out of the house. He had no prospect of obtaining a loan. With some restructuring of their finances I managed to obtain formal finance for his partner to payout his debt and become the new owner of the home.

She did this without any of her own savings. Their solicitor made arrangements to ensure they both retained a fair ownership interest in the home as the equity was his and the loan was now her legal obligation.

A good Mortgage broker knows their bank niches and how to match their clients with their lenders. That’s why you should reach out to me for a free consultation.