Case Studies - How we helped previous clients

Case Study (1)
Residential Property Re-Mortgage - Mr and Mrs Liddle, Garforth, Leeds Jan 09

Mrs Liddle first approached us looking for a competitive re-mortgage having come off a previous fixed rate deal and then on a SVR (standard variable rate) product with existing lender. They also wished to raise an additional £25,000 to fit new UPVC windows and doors to their detached property.

Our qualified advisors with on-line access to every mortgage product on the market and quickly identified a new 5 year fixed rate acceptable to the client and saving £180 per month over the current arrangement. With fact find completed the same day we were able to get the lenders outline offer and product illustration to the client the next day along with
application forms.

Our fully managed service ensured the application was back with the lender and a valuation booked for 2 days later. With all formalities complete and efficient work by the lender and client's solicitor the
mortgage was completed withing 4 weeks.

From the clients feedback form - " can we offer our sincere thanks for the efficient and courteous service you provided from start to finish, at all times we were kept fully informed and knew exactly how things were progressing. As we both work full time we appreciated the fact that you handled every aspect for us and took the time to call in the evening and explain how things were progressing, we have just recommended you to a neighbor "

Case Study (2)
First Time Buyer Mortgage - Alan Singleton and Jennie
Pritchard, Scarborough. Feb 09

Long term partners Alan and Jennie had lived in the same rented accommodation for 4 years and were presented with the opportunity to buy the terraced property at a genuine discounted price from the landlord who was looking to quickly raise some cash. With both applicants employed we secured a 90% advance on competitive tracker product rates
for the clients which represented 3.5 times combined income.

From Jennie's feedback form to us " many many thanks for sorting this quickly for us. We really didn't want to miss out on getting the property at such a good price as we are very settled here and love the area. What is really good for us is that we are now on the property ladder for the long term and our mortgage is actually £50 less per month than the rent we were
paying "

Case Study (3)
Mr and Mrs Parish, Camberley, Surrey - Equity Release
Facility October 08

John Parish (65) and his wife Stella (62) called us for some general advice on Mortgage Equity Release plans as they had both recently retired from teaching jobs and really wanted to explore their passion for ecology based travel and some volunteer work in South America and Asia.

Their combined work and state pension income would support a normal day to day expenses but not the extended trips of 4 months per annum that they wanted to plan for the following three years which would cost circa £15,000 per year. With a significant amount of equity in their home property we were able to offer John and Stella a number of equity release options to suit their exact requirements via our specialist 'in house ' partner to release the necessary funds exactly at the time they were needed.

The field of 'Equity Release' is a highly specialised and regulated area of the financial service market. We are accredited partners of the most respected solutions provider in the market and can offer free and unbiased advice on the most advantageous and cost-effective way to unlock the equity in your property.

From Stella and John on their feedback to us " many thanks for the great service you provided and for presenting the options available to us in a straightforward and easy to understand format. At all times during the process we were well informed and knew exactly the next stages. We know have the certainty of knowing we can pursue our ambitions for travel and voluntary work over the next few years with all the funds in place and no money worries "

Case Study (4)
Commercial Property Mortgage - Mr Shepherd, Stevenage, Herts. (November 08)

Mr Shepherd approached us to secure a Commercial Mortgage on a warehouse facility he had previously been renting for his parcel delivery business. The freeholder was looking to retire out to Portugal and gave our client first option to purchase subject to confirmation of funding within 2 weeks and completion within 6 weeks. Given the brief we completed our executive case summary the same day and had an agreement in principle within 24 hours for a 75% advance of £400K tracking at 2.5% over bank base rate with a 1.5% lenders fee. Within three days the commercial valuation was organised and completed with a satisfactory report to hand within the week.

Solicitors were instructed in week 2 with all searches and due diligence completed by week 4. Funds drawn and the purchase completed in week 5 ahead of schedule.

From Mr Shepherd after completion - " I am delighted to give you guys a reference as I was absolutely impressed by the speed and professionalism of the service provided. This is the first time I have used a broker for any mortgage but certainly would recommend your services as you saved me money and actually got the deal done within a tight timescale , well done "

The actual comments can been viewed on testimonials held at our office. Images used are for illustrative purposes and not of the individuals concerned.