Recent Customers Of Ours
*While the names are fictional, these are true examples of members we have helped since August 2020
The Let to Buy Mortgage
Mr Johnson came to us because he wanted to buy a new property, it was bigger than his current home thought he could reside there for many years to come. However, he was struggling to sell his home which was a two up, two down property. He was on the verge on loosing out on the new home so wanted to explore his options.
We were able to offer him the ability to convert his current home onto a Let to Buy mortgage and capital raise enough for his new deposit. This allowed Mr Johnson to still move home. We then put him touch with local trusted letting agent who was able to secure him a tenant within days of the property being advertised.
We will always look at the bigger picture to ensure that all possible avenues are explored, normally leading to a solution that you might not have thought to consider.
The Honest Broker
Mr & Mrs Smith had previously owned a property many years ago and due to health and work they unfortunately had their home repossessed and went bankrupt. So this time round, they felt really unsure how this would affect them and didn't know who to turn to.
We were able to offer this lovely couple completely unbiased advise and in our dedication to ensuring each customer gets the best possible solution, we actually advised that they approached their new lender directly as the product they required wasn't available to mortgage brokers at that time. We could have used a higher rate, but this wouldn't have been the right thing do. However, despite sending them to the bank, we helped ensure they had all the documents they would need and discussed the products available so they knew what they wanted. On top of this we are able get them in touch with an excellent conveyancer, who offered a fantastic service from start to finish.
We know that mortgage advice is a very personal thing, which is why we consider all the options to ensure you get the very best solution for your needs.
The Low Deposit Mortgage
Mr Heart came to us because he started to look at mortgage options before the national lockdown with a 5% deposit, unfortunately when he then found the perfect home, the conventional 95% mortgages where no longer available, so he wasn't sure how he could proceed with his offer, if at all.
We were able to offer him a family assisted mortgage. This type of mortgage is where a close member of your family is willing to either put forward savings or equity in their home to support the application. Because these mortgages don't necessarily require a physical deposit, Mr Heart was able to continue with his purchase and keep his 5% deposit back for other fees, emergencies and the personal touches on his home. These products are great and it's always warming to see families willing to help each other.
At Robin Mortgage Design, we consider all available solutions and do not assume that any solution will or will not be available to you.