Case studies
Adviser case studies
Real, anonymised UK mortgage cases from our advisers — written up so you can see exactly how lender criteria are applied when circumstances are anything less than textbook. Names and identifying details are changed; the underwriting logic is real.
Mr S from Stevenage
How we assessed cabin-crew income for a 95% mortgage
Getting a first-time-buyer mortgage at 95% LTV when income includes flying allowance, per-diems and overtime.
Read case study →Mrs H from Harrogate
Mortgage options after one year of self-employment
Which UK lenders consider a mortgage on one year of accounts, what evidence they need, and how the case was placed.
Read case study →Mr B from Bristol
How lenders treat overtime, commission and bonuses
How different UK lenders average variable pay elements — and how the right lender choice added £47k of borrowing capacity.
Read case study →Mr K from Kettering
Refinancing a 6-property BTL portfolio in a Ltd company
Using top-slicing and a portfolio lender to release £142k of equity across three maturing fixes on an SPV Ltd company portfolio.
Read case study →Mr D from Doncaster
A mortgage with recent defaults and a settled CCJ
How a specialist lender and a clear underwriter narrative placed a residential mortgage at 85% LTV with recent adverse credit.
Read case study →Ms C from Cambridge
IT contractor on £550/day placed at 90% LTV
How contract-based underwriting annualised the day rate and tripled assessable income vs Ltd company accounts.
Read case study →Mrs P from Poole
Retirement interest-only mortgage at 72
How a RIO mortgage cleared an expiring interest-only loan and protected the family home without equity release roll-up.
Read case study →