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Common sense delivers £1.7 million to save customer’s dream home

15 March 2017

We’re delighted to have provided our largest first charge personal mortgage in over a decade, working with The Loan Partnership (TLP) to deliver £1.7 million to help a customer secure their dream home after their remortgage application with a mainstream bank was declined.

The customers were buying their rented home at a cost of £2.5 million and due to timescales, had secured a bridging loan for the initial purchase, with a plan to refinance the property with a high street bank. During the remortgaging process with the bank, however, the clients changed their employment status, from self-employed to employed, and subsequently had their application declined.

Their financial adviser reached out to TLP after they were unable to secure a mortgage with a traditional lender. Knowing that here at Together we consider various employment statuses and income streams, the broker presented the case to us.  We reviewed the application and agreed the funding, with a 68% loan-to-value.

Nick Jones, our national sales manager commented: “This is a great example of our common sense lending philosophy in practice, and is our largest loan in this space for the last ten years. The process was smooth and swift, with the binding offer made just eight days after the initial call, thanks to an excellently-packaged application and our responsive processing teams working quickly to ensure the best outcome for the customer.”

Andy Pelley, director at TLP, said: “As house prices continue to rise, we are seeing applications for larger personal mortgages, and when some banks are presented with these larger loans, clients may need to meet stringent criteria. This is an example of a where a client had demonstrated they could afford a property of this value, but didn’t have the necessary employment documents, due to their situation at the time. Cases like this are the reason we work with specialist lenders such as Together and highlights how our solid partnership has culminated in a great result for the customer.”

For more on personal finance mortgages click here.


Nick Jones Together