JEFS Case Study
This month, we are pleased to highlight a successful outcome for a couple who recently relocated from the United States to the UK for work. Both clients hold high-profile professional roles and were living in rented accommodation while settling into their new life here. With long-term plans to remain in the UK, they began exploring options to purchase their own home.
The clients identified a £5 million property and required a £3 million mortgage, representing a 70% loan-to-value. Their circumstances being on visas and new to the UK credit system, meant that many traditional lending routes posed challenges despite their strong financial standing.
Thanks to the expertise of our broker, we were able to source a retail lender willing to support the transaction, ensuring the clients benefited from a competitive retail rate rather than having to resort to more costly specialist lending.
Our broker successfully secured a 2-year fixed rate at 4.04%, meeting the clients’ objectives and enabling them to move forward confidently with the purchase of their new UK home.
What does this demonstrate?
This case highlights the value of working with an experienced mortgage broker, particularly for clients with complex or international circumstances. Our brokers can present a client’s profile in the most favourable way to underwriters. They navigate the market efficiently, negotiate competitive terms, and manage the process end-to-end, reducing stress and saving valuable time. Most importantly, a broker’s insight and relationships can open doors to solutions that clients may not know exist, ensuring they secure the most suitable and cost-effective mortgage for their needs.
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