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These examples explain situations worth discussing. They are not records of actual clients, approvals, quotations or completed transactions. Any outcome would depend on an individual assessment.
A landlord wants to compare keeping the lender with moving. Updated rent and costs belong in the comparison.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
A landlord plans improvements. The proposed use of additional borrowing and rental position need checking.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
The property is now let differently from the original application. The actual use must be disclosed.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
A landlord wants to discuss buy-to-let remortgages. Two points need attention: current mortgage and end date; current rent and tenancy. A loan that worked at purchase may be assessed differently when refinanced. The evidence and the decision need to be considered together rather than in isolation.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
A landlord has started a conversation about buy-to-let remortgages, but the brief has changed. The review revisits two points: estimated value; any additional funds required. The next step is agreed using the updated facts, with any unresolved questions recorded.
The aim is to identify the questions and evidence that matter before making a commitment. A short outline is enough to begin; detailed records can follow through an agreed secure route.
A loan that worked at purchase may be assessed differently when refinanced. The lender's stress rate, rent and valuation can limit capital raising or even like-for-like refinancing. We assess the gap before relying on a new loan to repay the old one.