First home purchase
Deposit assistance programs, gifted funds documented properly, and a pre-approval letter sellers actually take seriously.
Buying your firstRefinance and rate change
We run the break-even honestly. If moving your loan costs more than it saves over the time you plan to stay, we say so.
Already ownGovernment-backed loans
FHA, VA and rural programs, including the paperwork most branches quietly discourage because it takes an extra fortnight.
Lower depositJumbo and high value
Above conforming limits the rules change and the lender list shrinks. We know which desks still price these sensibly.
Above the limitSelf-employed borrowers
Two years of returns, add-backs, retained profit, a good accountant’s letter. We present the income the way underwriters read it.
Own your businessInvestment property
Rental coverage tests, portfolio limits and cash-out structures for landlords adding a second or fifth property.
Buying to let