Five recent residential mortgage deals we’ve completed

Since launching our residential mortgage range, we’ve shouted loudly about their flexibility to different homebuyers.
We’re going to give our voices a rest and let some of the deals we’ve delivered do the talking for us, if you don’t mind.
- Key Worker, First-Time Buyer
Location: Wrexham
Loan amount: £135,201
LTV: 90%
This applicant is a paediatric nurse working for the NHS, with the income a mixture of salaried and non-guaranteed overtime.
They had a historic payday loan and the property was within 30m of a licensed premises, both things that would have put off other lenders. But we got comfortable with the deal and supported them to purchase her first home.
- Purchase for someone with mixed income
Location: Scotland
Loan amount: £85,195
LTV: 58%
An existing homeowner was looking to purchase a new property after selling her current one.
Her income was a mix of work and working tax credit for her two dependents. Her employed income was lower than what she received in benefits, which would have prevented her getting a mortgage with other lenders, but we were happy to support her.
The property was also a non-standard construction, which may have further discouraged other lenders.
- Interest-only remortgage for couple with income mix
Location: Poole
Loan amount: £187,195
LTV: 55%
A joint remortgage application for a couple looking to redeem their existing mortgage, with the shortfall being covered by the sale of one of the applicant’s Buy-to-Let properties.
The income was a mix of one applicant’s Buy-to-Let portfolio, the other’s employment as a care worker and additional income in the form of a working tax credit.
- First-time purchase for two borrowers
Location: Newcastle
Loan amount: £188,295
LTV: 85%
Two first-time buyers were looking for a mortgage for their first home. They qualified for our Tier 0 credit product despite two missed payments, two years ago, as the underwriter felt this was not a true reflection of their history and could get comfortable with it.
- Joint remortgage following payment holiday
Location: Farnham
Loan amount: £575,995
LTV: 55%
A straight remortgage of their existing home for applicants where one was retired and one earned in excess of £120k.
In their credit history there was a missed mortgage payment, which we correctly recognised as a payment holiday and proceeded with the case on a Tier 2, 2-year fix.
LendInvest Loans Limited is a company registered in England & Wales with Company No. 09971600.
LendInvest Loans Limited is authorised and regulated by the Financial Conduct Authority (FRN:737073). LendInvest Loans Limited is a wholly owned subsidiary of LendInvest plc.
Borrowing through LendInvest involves entering into a mortgage contract secured against property. Your property may be repossessed if you do not repay your mortgage in full.