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Case Information

Type of finance: Investment Purchase

Loan amount: £1m

Interest rate: 0.95%

LTV: 68%

Term: 15 months

Fees: 2% Lender Fee / No Exit Fee

Summary and Solution

This particular client was referred to us via one of our partners who was struggling to place the deal. The deal overall was quite complex as the client had recently sold a business. They had contracts signed for a deferred payment in 9 months. This was truly a no income proof scenario.

The client had found the property they wanted to purchase which was a large estate in Hampshire. The property and outbuildings required refurbishment works and the client planned to do this over the period of 15 months after which point they would clear the bridge.

We worked on a solution with one of our lending partners who were happy with the case and also with the income proof not being available in terms of monetary payments in real time. The exit route was clear as the client had legal contracts in place to confirm a payment was due to them which more than covered the loan be offered.

We arranged the funding within 4 weeks - there was slight delay due to Covid-19 for the valuation to be booked and to come back in. The client completed with 8 weeks as the legals took some time to get through.

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CLIENT EXPERIENCES

"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 & EKTA

"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".

TINA

"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 WHITE

"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 SMITH

"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 AMBURSLEY

"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 SHAH

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