6 Inspiring Mortgage Success Stories & Achievements

Mortgage Success Stories

Below are some of the mortgage success stories which show how we have assisted our clients with complex and special situations in getting their mortgage and buying their dream home. You can also calculate your mortgage payments, how much you can borrow and stamp duty with our Mortgage Calculators and plan your finances better.

Mortgage with Multiple Defaults

The Situation

The client needed a buy-to-let mortgage but had three active, unpaid defaults. The property deal was at risk due to delays.

Actions Taken

We found a lender that accepted the application and processed it quickly. The valuation visit was held after a full assessment.

Results

The lender assessed the application in two days, booked a valuation, and approved the mortgage within two weeks. The client successfully completed the purchase. This is one of our many Mortgage Success Stories.

Take Action Now!

If you're in a similar situation, contact us . We can help with poor credit history, missed payments, defaults, CCJs, IVAs, or Debt Management Plans. Check out more of our Mortgage Success Stories to see how we can assist you.

Mortgage for EU Citizen on Pre-settled Status

The Situation

A couple, both EU citizens on pre-settled status and first-time buyers, had a 10% deposit. The husband was on a zero-hours contract, and the wife had no income. Their property offer was accepted, but they couldn't find a lender to provide the required loan amount. This is one of our many Mortgage Success Stories.

Actions Taken

Most lenders require a 25% deposit for unsettled applicants. After thorough research and initial inquiries with multiple lenders, a suitable lender was found.

Results

The case was prepared within two days, and the application was submitted. The mortgage was approved in 10 days. This is another example of our Mortgage Success Stories.

Take Action Now!

If you're an EU citizen looking for a mortgage with a low deposit, feel free to Talk to Us to discuss your case.

Mortgage for a Client on a Visa

Client Background A client on a spouse visa with over three years in the UK and a 10% deposit gifted by their uncle. This is one of our many Mortgage Success Stories.

Challenge Most lenders require a 25% deposit for limited leave to remain visa holders.

Solution We found a lender that accepted a 5% deposit and required only two years of UK residence history.

Outcome The mortgage was approved quickly, and the client secured their property. This is another example of our Mortgage Success Stories.

Take Action Now! If you're on a limited leave to remain visa and need a mortgage with a 5% or more deposit, Schedule a Consultation for a free case assessment.

Mortgage for Foster Carer

The Situation

A mother and daughter, joint homeowners, needed to remortgage to repay their Help to Buy equity loan. The mother, a full-time foster carer with a part-time job, required her gross foster care income to be accepted.

The Complexity

Foster care income has special tax treatment, often misunderstood by lenders. Some do not accept it, while others consider only a percentage or net income.

Course of Action

We researched and found a lender willing to accept gross foster care income. A detailed note was attached to the application to clarify the income.

Results

The lender quickly assessed the application, arranged the valuation, and approved the mortgage smoothly.

Take Action Now!

If you're a foster carer needing a mortgage, Speak with an Advisor for a free case assessment.

HMO Mortgage with No Landlord Experience

Situation Client with high personal debt and no landlord experience aimed to buy a 6-bed HMO. This is one of our many Mortgage Success Stories.

Challenge Specialized HMO lending requires landlord experience and a favorable debt-to-income ratio.

Solution We found a lender that accepted the application without these requirements.

Outcome The mortgage was approved smoothly. This is another example of our Mortgage Success Stories.

Take Action If you're a property investor needing a buy-to-let or HMO mortgage, Get in Touch for a free case assessment.

Mortgage for First-Time Buyer with CCJ / Bad Credit History

Situation First-time buyer with a CCJ of just under £1,000, satisfied some time ago sought to buy a new build house.

Challenge A recent hard credit search lowered their credit score. Needed a lender to manually review the case and accept the CCJ amount.

Solution We obtained the latest credit report, conducted detailed research, and found a suitable lender.

Outcome The client received a conditional offer, and upon completion of the house, a binding offer was issued. The client moved into their new home.

Take Action If you're in a similar situation or have other credit issues Reach Out to Us for a free case assessment.

DISCLAIMER :

ZAS Mortgages & Protection Limited is Authorised and regulated by the Financial Conduct Authority (FCA reg.992843). The company is registered in England (Reg 12383115 ). Our registered office address is 555 Alfreton Road, Nottingham, NG7 5NJ. Contact No 0800 061 4173. E-mail: info@zasmortgages.co.uk

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU RE-MORTGAGE.

ALL MORTGAGES ARE SUBJECT TO STATUS AND LENDER CRITERIA. MOST BUY TO LET MORTGAGES ARE NOT REGULATED.

A PROTECTION PLAN WILL HAVE NO CASH IN VALUE AT ANY TIME, AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE AND YOU MAY NOT BE COVERED IF A CLAIM IS MADE.

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