Case study – Mortgages for larger property
This case study is for illustrative purposes only and does not constitute advice.
Mr and Mrs A recently came to see us about securing a mortgage. They were in the market for a bigger property.
It isn’t unusual for clients to approach me about securing a mortgage for a bigger property. We work with a number of repeat customers on mortgages like this.
Mr and Mrs A seemed to have a cut and dry case. They had been to a bank to secure their mortgage, but this application had been declined.
There didn’t seem to be a rhyme or reason – just a flat no.
This seemed strange to me because when I looked over the case, it seemed to be affordable. However, on looking deeper there was a small issue on the credit report that was snagging this mortgage from being approved.
Once I had taken a more comprehensive look at the credit report, I was able to identify the adverse credit. This allowed me to place the mortgage with an appropriate lender. This lender would be more likely to accept the application.
Whilst sometimes it can pay off to stick with the bank you have, this wasn’t the case with Mr and Mrs A. By looking at different lenders, Mr and Mrs A were able to complete on the purchase and are very happy in their new (larger) home.
In a similar position yourself? Contact us here to see how we can help you.
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Important: Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it. A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. A typical fee is £495.
What is the next step

Step 1
Life continually moves on and with that comes increased responsibility. Whether you are buying a home or starting a family, it is an exciting time but you must plan ahead now to ensure that if something goes wrong, you and your loved ones are fully protected.

Step 2
Speak to our friendly team to discuss your needs. Simply book an appointment and we will advise you on the right level of cover. With whole of market access we will ensure you find the right products for your individual needs.

Step 3
Our expert team have a wealth of experience helping individuals and couples plan for their futures. Whether you are considering mortgages, life insurance or income protection we will find the right option for your circumstances protecting you for the future.
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Important: Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it. A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. A typical fee is £495.
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About:
Chambers Financial Services Limited is an Appointed Representative of Quilter Mortgage Planning Limited which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No:08201095, Registered Address:Arlington House West Station Business Park, Spital Road, Maldon, England, CM9 6FF We normally charge a fee for mortgage advice, however this will be dependent on your circumstances. Our Typical fee is £499. Click here for more information. Internet Privacy Policy
Important:
Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it. A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. A typical fee is £495.
The Financial Conduct Authority do not regulate buy to let mortgages.