Real Results
Case Studies
Every client's situation is different. These anonymised case studies illustrate some of the more complex scenarios we have resolved — the kind of cases that other brokers couldn't or wouldn't take on.
Professional Athletes · Mortgage
85% LTV on a £2,065,000 purchase for a Premier League player with less than 12 months UK residency — after high street declines
A first-team player at one of the world's most recognised clubs needed to purchase a £2,065,000 property in the UK. He had been in the country less than a year, had no UK credit footprint and had already been declined by multiple high street lenders at DIP stage. We manually overrode those declines and secured 85% LTV at a prime rate — terms not otherwise available to him.
Read case study →Self-Employed · Mortgage
£620,000 mortgage for a company director whose SA302 showed a fraction of his real income
A director of a profitable IT services business had structured his remuneration tax-efficiently — a low salary and minimal dividends, with significant profit retained in the company. His SA302 suggested an income of £45,000. His company was making over £300,000 a year. Most lenders would only see the former.
Read case study →International & Expat · Mortgage
Residential mortgage secured for a non-UK national on a Skilled Worker visa with no indefinite leave to remain
A financial services professional from overseas had been working in London for two years on a Skilled Worker visa. He wanted to purchase rather than continue renting — but without indefinite leave to remain, most lenders would not consider his application at all.
Read case study →Buy to Let · Mortgage
First-time landlord secures limited company HMO mortgage on a six-bedroom student property
A first-time landlord wanted to purchase a six-bedroom property near a university campus and operate it as a licensed HMO through a newly incorporated limited company. Every element of the application — first-time landlord, limited company SPV, HMO property — individually narrows the lender pool. Combined, they eliminate most of it.
Read case study →First-Time Buyers · Mortgage
First-time buyer joint purchase approved despite one applicant's prior adverse credit
A couple applying jointly for their first home had a complication: one partner had a satisfied default from four years prior. The other had a clean profile. Most lenders assess the worst credit event across both applicants — making the whole application fall into adverse credit territory.
Read case study →Complex & Adverse Credit · Mortgage
Purchase mortgage approved 18 months after a satisfied CCJ — with a 10% deposit
A county court judgment satisfied 18 months prior to application, combined with a 10% deposit and a recent change of employment, placed this client outside the criteria of every lender he had tried. We found a route — and completed.
Read case study →Remortgage · Mortgage
Remortgage and £95,000 capital raise for a homeowner coming off a five-year fix
A homeowner reaching the end of a five-year fixed rate wanted to remortgage and raise additional capital for a significant extension. We reviewed the full market, modelled whether staying with the existing lender or switching made financial sense, and executed the capital raise on the best available terms.
Read case study →Protection · Income Protection
Income protection arranged for a self-employed tradesperson in a high-risk occupation category
A self-employed electrician had been unable to find income protection that would pay out at a reasonable premium. His occupation placed him in a restricted category for most insurers — meaning either inflated premiums, limited cover or outright refusal. We found a policy that provided the cover he actually needed.
Read case study →
All case studies are anonymised. Outcomes shown are specific to each client's individual circumstances and are not representative of every case. Your mortgage is not guaranteed until a formal offer is issued. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. Lockhart Murphy Ltd is authorised and regulated by the Financial Conduct Authority.