Real client stories
Mortgage case studies
Real examples of how we have helped buyers, movers, landlords and Forces clients across Lincolnshire, the situation, what we did and the outcome.
Spolton Mortgages secured a first-time buyer mortgage for a Lincoln buyer with no credit history
A young first-time buyer in Lincoln had a strong deposit but a thin credit file, with no loans or cards to show. Tom found a lender…
- Property
- £195,000
- LTV
- 46%
- Lender
- NatWest
A joint borrower sole proprietor (JBSP) mortgage helped a Sleaford first-time buyer borrow more using a parent’s income
A Sleaford first-time buyer had a 5% deposit and affordable payments, but the income multiplier fell short. A joint borrower sole proprietor (JBSP) mortgage, with Dad…
- LTV
- 95%
How we helped Kelsey buy her first home in Sleaford
A single first-time buyer in her twenties needed to borrow above the usual income multiple to buy in Sleaford. Tom found a mainstream lender, Accord, whose…
- Property
- £160,000
- LTV
- 88%
- Lender
- Accord Mortgages
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