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Employed to Self-Employed – Residential Home Mover

Case Information

Type of finance: Home Mover
Loan amount: £1.15m
Interest rate: 1.64%
LTV: 85%
Term: 30 Years

Summary and Solution

Our clients were looking to purchase a new residential property. One of the clients had recently changed jobs and went from being employed on £200,000 per annum to becoming a partner with a new company. His new role was now to be classified as self-employed and in normal lending requirements he would need to have completed a minimum of one year and filed self-assessments, to get lending. On a broader basis he would need two years self-assessments to be able to get lending with main stream institutions at a competitive rate. His partner was employed and works in the City. Stable job and very good income. Understanding and packaging our cases is key to our success rate in obtaining market leading mortgage terms for our clients. In this instance, we were able to get the loan agreed by exception with a main stream lender, based on his monthly draw from the company which was £25,000.00. The lender was presented with an overall case and by speaking with underwriters the loan was approved as they understood the client’s overall position. Great result! To discuss you mortgage requirements in the strictest confidence please get in touch using the below form.
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Client's Testimonials

“From the start of this process, Amar has been amazing. Being our first property, she guided us step by step from start to finish. She fitted her schedule around ours and has been very prompt with her communication. We couldn’t of done it without her help. She has put our mind at ease throughout the process and has worked hard to achieve an end result. We highly recommend her services “
SHARON & WESELYClient
“Amar helped us with our mortgage for our house purchase. She was efficient, transparent and always on hand to quickly answer any questions we had. Her experience and contacts in the industry helped ensure this was one of the more less stressful elements of our purchase”
H SONIClient
“Both me and my wife would like to thank you and your team for your assistance to get us a Mortgage. Each and every query right from initial enquiry to mortgage completion was handled very promptly and professionally. Bearing in mind we’ve had some anxious moments during this whole process, the fact you were in you were in constant communication and went out of the way on few occasions to help see through the end was a testament of excellent service you have given us. Needless to say, we will be more than happy to recommend LFS to anyone we know who is looking for any financial advice/help for services your company offers”.
JIGAR & EKTAClient
“Amar Dhanota is Gem. As a first time buyer, she really helped simplify things. Thanks to her help, my flat purchase was stress-free and successful. I have a really busy work and personal schedule; Therefore, I needed a broker who I could trust, and was competent and thorough. Amar was all of the above, and more. Armed with her vast experience and impressive knowledge, she explained everything thoroughly, liaised with the mortgage provider and kept me updated throughout. She also helped arrange my Life Assurance policy, which was a tremendous relief. I would most certainly recommend Amar to my family, friends and colleagues, and I would contact her in the first instance, for all my financial requirements. Quite sure everyone always remembers their first home purchase.. and everyone who helped them get there. Thank you so much, Amar. I shall not forget you”.
TINAClient
“We first discovered this fabulous lady when she was recommended to us by our Estate Agent. Amar was so amazingly helpful from the first interaction. She is knowledgeable and clear with what is needed and when explaining the products she has found. She follows up with you the whole way along and just makes you feel secure in the choice you make. We unfortunately had a house fall through and even during that Amar went above and beyond to help and to check in with us, even just to make sure we were OK. We will definitely use her again and I would advise all my family and friends to use her expertise too. I cannot recommend her enough! Don’t hesitate to use this company and ask for Amar Dhanota”.
MRS K WHITEClient
“Dealing with mortgages can feel very daunting and somewhat a ‘minefield’ but I would highly recommend London Finance solutions for ensuring this was a smooth process. Amar provided excellent honest advice and clearly outlined the options available to us for our remortgage requirements. With our complex circumstances we were concerned that we would have issues achieving our goal but we were provided with several options that exceeded our expectation. All communication was quick and very clear, our whole application was processed efficiently with the mortgage completion within 8 weeks.”
HEATHER SMITHClient
“For anyone looking for not only a mortgage advisor but also a friendly and reassuring voice, we would recommend Amar highly! From start to finish she went above and beyond to make sure we understood the whole process, whilst informing and advising us of the best decisions to make. As we were first time buyers the initial process was very daunting, however Amar made us feel relaxed throughout and was always there to answer any questions when needed (even late on the weekend!) We feel privileged to have been lucky enough to have such a knowledgeable mortgage advisor and couldn’t recommend Amar and London FS highly enough”
JOSHUA AMBURSLEYClient
“I have received excellent service from you. the journey of purchasing a new home is lonely, long and confusing at times, due to long-term decision we have to make. You have provided clear guidance. Excellent service, by making yourself available throughout the journey. There has been a time where you have guided me and help me by have an open conversation to ensure I am at ease at all time. (I personally believe this is v important phase in our short and transaction-based business relationship, as it helps me to clear my thoughts and help me to move to the next stage of the decision-making process. Really good journey. Appreciate your help and guidance all the way. You have been just a phone call away and your presence was felt in each stage of the process”
GAURANG SHAHClient
“Amar’s service has been exceptional from the moment we chose her as our mortgage broker to the moment we completed the deal. Even though our case was not so straightforward she managed to find us a competitive mortgage deal and kept us informed throughout the process. She was always there to answer our questions promptly and made us feel confident even though we were first time buyers. We would highly recommend her service.”.
Z YULIANClient
“From the start of this process, Amar has been amazing. Being our first property, she guided us step by step from start to finish. She fitted her schedule around ours and has been very prompt with her communication. We couldn’t of done it without her help. She has put our mind at ease throughout the process and has worked hard to achieve an end result. We highly recommend her services “
SHARON & WESELYClient
“Amar helped us with our mortgage for our house purchase. She was efficient, transparent and always on hand to quickly answer any questions we had. Her experience and contacts in the industry helped ensure this was one of the more less stressful elements of our purchase”
H SONIClient
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