The clients
A foreign national couple on non-permanent visas, struggling to meet lenders’ minimum income thresholds and told by multiple brokers that they needed a 10% deposit.
The background
When they found their perfect home, they were advised by others that their situation made securing a mortgage impossible. They turned to Complete Mortgages for help.
“Our clients had been routinely advised that, given their visa status, they simply didn’t have enough of a deposit to secure the level of lending they required. However, with a history of success in getting mortgages for non-permanent visa holders, we felt that we could help.”
Jack Doherty, Guildford mortgage broker at Complete Mortgages
The process
Following a fact find meeting with the client, we immediately began speaking with our panel of lenders.
Within a very short space of time, we identified a lender that was willing to offer a 2-year fixed mortgage at 6.75%. Whilst the rate was higher than mortgages typically available to permanent visa holders, the client was willing to pay the premium to secure the property.
Not long after their mortgage offer was issued, a criteria change from another lender meant that our clients narrowly qualified for a 2-year fixed mortgage at 4.92%. This took the clients’ monthly payments down from £2,120.80 to £1,676.34.
There was no question that this deal was more advantageous for our clients. It meant a bit less commission to Complete Mortgages, but a positive outcome for our clients was much more important than that.
The result
As a result of working with Complete Mortgages’ team of Guildford mortgage brokers, the client:
1. Cut monthly repayments by £444.46
2. Saved £10,667.04 over the 2-year fixed term
3. Secured the property they wanted
“We were delighted to help our client in a way that other mortgage brokers seemingly couldn’t. Yes, the new lender paid us slightly less, but from an ethical perspective, there’s no way that we would have let our client pay 1.83% more over a two-year period. The Complete Mortgages team would like to offer huge congratulations to our client, who now has their dream home and a far better mortgage rate than they originally thought possible.”
Jack Doherty, Guildford mortgage broker at Complete Mortgages
Why This Matters
This case demonstrates that true value in mortgage advice isn’t about chasing the highest commission — it’s about delivering the best possible outcome for our clients. That’s why Complete Mortgages has earned more 5-star Google reviews than any other Guildford-based brokerage.
Thinking about applying for a mortgage? Regardless of your personal situation, we can help. Contact our team of Surrey mortgage advisers on 01483 238280 or by e-mailing info@complete-mortgages.co.uk to find out how.
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