Mortgages
19 January 2026 - 5 min read
Client: Self-Employed Borrower (Manchester)
Headline outcome
£820,000 mortgage secured. Competitive 2-year fixed rate. Completion within 6 weeks.
Overview
£820,000 residential mortgage for a company director purchasing a primary residence.
The Challenge
The client had strong income but through a mix of salary, dividends, and retained profits. High street lenders capped affordability significantly below requirement.
Our Approach
We analysed full company accounts and identified a lender willing to consider retained profits, strong business performance, and future income sustainability. We packaged the case with accountant support and positioned it to specialist underwriters.
The Result
£820,000 mortgage secured, competitive 2-year fixed rate, with completion within 6 weeks.