At SJ Mortgages, we are dedicated to providing practical financial advice tailored to our individual client needs. We appreciate that everyone’s personal circumstances are different and require flexible solutions. Here are some example case studies of some more complex situations where we have helped buyers successfully navigate the home purchasing process.
We were approached by a first-time buyer who wanted to purchase the property that they were currently renting, however they couldn’t borrow the amount that they needed on their own. We were able to help them with a Joint Borrower Sole Proprietor mortgage which allowed them to borrow the amount that was required, this type of mortgage allowed the applicant and their stepfather to be part of the mortgage however only the applicant was named on the deeds meaning they were still entitled to their FTB stamp duty allowance.
We were asked by an existing client to help them with their remortgage, six months prior to the end of the existing deal. Our client was concerned with the state of interest rates and he thought that they would continue to increase between now and the end of his existing deal. We proceeded with an application and secured his new mortgage offer in readiness for the end of his deal. However, the market changed meaning rates started to reduce instead. We have been able to reduce the rate that he secured from 5.7% down to 4.06% in time for the end of his deal. This resulted in a saving of £29,832 over the course of his 5-year product.
We were asked by a new client for help with their buy-to-let mortgage. Their lender told them that the rental income that the property would generate wasn’t enough to support the amount of mortgage that they were looking to achieve. We were able to help our client by using a lender that can use their disposable income to cover the shortfall in the rent that is required to meet the calculation needed. This meant that they were able to purchase their new investment property.
A new customer was referred to us to help them with their mortgage following their separation. Our client wanted to keep their house however their current lender wouldn’t allow her to borrow the amount that she required to buy out her partner from the property. By using her overtime and shift allowances, we were able to find a lender that would consider lending her the amount that she needed meaning that she could keep her home and release the money that was needed to buy out her partner.
“Great communication throughout the process”
“The best mortgage company I have used. Really hard working and friendly staff. Scott and Zoe did a lot of hard work to get me my mortgage which two other lenders struggled to do. Great communication throughout the process and speedy replies to emails and phone calls. Nice little present when I completed too which was a lovely touch. Thank you for all you help.”
“they couldn’t have been more helpful”
“Jack was great throughout the process. It was our first time getting a mortgage and they couldn’t have been more helpful. Would definitely use him again.”
“really went the extra mile to quickly find answers”
“Jack was amazing in finding and arranging a mortgage for my recent house purchase. In my case, there were some unique circumstances that a lot of other mortgage brokers didn’t want to give the time of day. He was a breath of fresh air.
Jack considered my case in detail and really went the extra mile to quickly find answers (and solutions) to all of my questions. The whole process went very smoothly and I was kept in the loop throughout. I can’t see myself ever using another company for mortgages :)”
“constantly in touch, updating me all the time”
“Scott Barron provided an amazing service for a few key reasons. Firstly, as a Kenyan resident (ex UK), he found a product for me. This wasn’t easy to find and certainly took time to get approved.
Scott was constantly in touch, updating me all the time and pushing the lender for confirmation regularly. Felt like he was really taking care of my interests. I’m very grateful to Scott and the team.”
“fantastic start to finish”
“Scott Barron was fantastic from start to finish. He and his team couldn’t do enough for us. Would definitely recommend SJ Mortgages to a friend. Thank you Scott!”
“brilliant is supporting us complete our house purchase”
“Jack was brilliant in supporting us to complete our house purchase. From the beginning, he was really patient and gave us lots of options that would benefit us. No question was an effort for him to respond to and he would always come back to us with different scenarios.
He made us feel at ease and confident in our decisions without any pressure.”
“indispensable in finding a mortgage”
“Second experience of dealing with Scott Barron and again a good one. Scott was indispensable in finding a mortgage to suit specific and complex circumstances, then well supported by Louise Cheatle in seeing it through to completion.
I would happily use them again and am clear on the value added by brokerages when seeking a good value mortgage.”
“went above and beyond”
“Jack and Zoe were so helpful and friendly and went above and beyond throughout our entire house buying process. We are very grateful to them for everything they did to support us and make the process as easy as possible.”