It might be hard to picture exactly what The Lending Channel could do for you, so we hope that our case studies provide real-life mortgage examples that will illustrate the practical ways in which we can assist you.
Whether it’s buy-to-let mortgages, first-time buyers, complex or specialised mortgages such as short-term or commercial, or even support with your mortgage application, we have helped almost every kind of person secure every type of mortgage. Below are just a small selection of examples chosen from hundreds of successful cases.
Although we’ve seen it all, we always work on a case by case basis. We treat you as an individual, and it is our mission to precisely match you with the best solution for your specific scenario.
Take a look at our case studies below for a more detailed insight into our expertise.
Let The Lending Channel find your solution. As demonstrated below, we work with a diverse range of clients with widely diverging needs. Our experience makes us confident that, whatever your personal situation, we can help.
We always work on a no-obligation basis, so if you want some free advice on what route might suit you best don’t hesitate to get in touch today. We look forward to getting to know you.
The Lending Channel uses a representative panel of lenders to source suitable lending solutions and is fully authorised and regulated by the Financial Conduct Authority. We provide financial services to individuals and limited companies in Scotland and around the UK. Firm Registration no. 626787.
Mortgage Case Studies (with solutions)
£259k Commercial Loan - Serviced Apartments
£259k TSB Commercial Loan - Serviced Apartments
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Big is not always best - as the saying goes! So while it's always great to complete large lending transactions, the smaller ones are just as important - especially to the client! This case demonstrates an appetite by the High Street Banks being happy to support small businesses with their growth plans.
Scenario
Experienced HMO client wanted to purchase a small 10 bedroom hotel in Dundee to run as serviced apartments.
- £380k purchase price
- £259k mortgage required - 68% LTV
- Our introducer was an IFA who doesn't deal with this type of lending
Solution
- TSB Commercial Loan facility £259k
- 10 year fixed rate 4.25% - with 25 year commitment
- 1.5% lender fee
- £1,500 broker fee
- Introducer commission - £1,032.75
Dentist Case Study (Commercial Mortgages)
This Dentist already ran a successful practice in Edinburgh where he owned his premises, but he wanted to purchase another dentist business including the bricks and mortar asset.
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This Dentist already ran a successful practice in Edinburgh where he owned his premises, but he wanted to purchase another dentist business including the bricks and mortar asset.
Bank of Scotland's Health Care team was delighted to get the opportunity to work on this case and a £900k facility was set up to allow the acquisition of the new property and refinance the existing debt which was already with the Bank.
4.92% Secured Loan
The Lending Channel team recently completed a large £100k Secured Loan for a property client who needed to raise the cash quickly to assist with a property transaction.
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The Lending Channel team recently completed a large £100k Secured Loan for a property client who needed to raise the cash quickly to assist with a property transaction. The loan funds were drawn down 13 days after the initial enquiry was received and the client managed to secure a rate of 4.92%.
This client had a good rate on his mortgage and really didn't want to disturb his current deal, but more importantly time was important and the Secured Loan option in this case provided exactly what this client was looking for.
This solution continues to demonstrate that a Secured Loan can provide a competitive alternative to a remortgage or further advance.
£240k complex 1st Charge Mortgage
Refinance of a self build property in Perthshire. Client is a developer and needed to raise capital on this new main residence to fund his next projects.
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Scenario - This developer client had initially approached us to get bridging finance to complete this property, which he intended to use as his main residence. He subsequently managed to fund the build himself, but then needed to refinance up to £240k to get his cash back out for his next projects. The challenges were: only 1 year of profitable income, a non-qualified accountant, 61 year old borrower, wanted Interest Only and ideally no ERCs as plans to sell within a year or so. The introducer had failed to find a suitable solution, so brought the case to us.
Solution - Our experienced complex First Charge team very quickly sourced a £240k I/O facility with Together Money - LTV was less than 50%. The only way it fitted affordability was to put it on a 5 year fixed rate of 7.12% and there were no ERCs. Client paid a £1,995 broker fee and the introducer received £1,678 for passing the case over - The Lending Channel provided the client advice.
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