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.
These cases are drawn from our advisers' mortgage careers, including work undertaken before Lockhart Murphy was established. Certain identifying details and figures may have been adjusted to protect client confidentiality, without changing the substantive lending challenge or outcome.
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.
Completed case — Yazdaan HussainRead →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.
Completed case — Yazdaan HussainRead →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.
Completed case — Yazdaan HussainRead →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.
Completed case — Yazdaan HussainRead →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.
Completed case — Yazdaan HussainRead →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.
Completed case — Yazdaan HussainRead →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.
Completed case — Yazdaan HussainRead →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.
Completed case — Yazdaan HussainRead →International & Expat · Mortgage
£1,200,000 London purchase for a UAE-based professional with AED salary and no UK credit history
A Dubai-based finance professional wanted to purchase a London flat as a combination of UK base and long-term investment. His entire income was in AED, his deposit was held in a UAE bank, and he had no UK credit footprint whatsoever. Standard lenders declined at enquiry stage. We secured a mortgage at a rate comparable to a standard UK-resident application.
Completed case — Yazdaan HussainRead →Professional Athletes · Mortgage
Mortgage approved using image rights PSC income alongside playing salary — after two specialist lender declines
A professional footballer with a substantial image rights income paid through a personal service company had been declined by two specialist brokers who could not find a lender willing to consider both income streams together. His playing salary alone did not support the borrowing he needed. We found a route that included both streams and completed the purchase.
Completed case — Yazdaan HussainRead →Foreign National · Mortgage
London purchase for a Hong Kong national on a BNO visa with HKD income and no UK credit history
A Hong Kong national who had relocated to the UK under the BNO pathway wanted to purchase a family home in South West London. His salary was still being paid in Hong Kong dollars while he transitioned roles, he had no UK credit history and his deposit was held in two Hong Kong bank accounts. High-street lenders would not consider the application. We secured a competitive mortgage within six weeks of instruction.
Completed case — Yazdaan HussainRead →Foreign National · Mortgage
90% LTV mortgage for an Indian national on a Skilled Worker visa — 10% deposit, no ILR
An Indian software engineer on a Skilled Worker visa wanted to buy his first UK home with a 10% deposit. He had been in the UK for 14 months, had no indefinite leave to remain and his deposit was partially funded by a remittance from India under the RBI Liberalised Remittance Scheme. High-street lenders required either ILR or a 25% deposit. We secured a 90% LTV mortgage without either.
Completed case — Yazdaan HussainRead →International & Expat · Buy-to-Let
Buy-to-let mortgage for a Singapore-based investor purchasing a London property off-plan
A Singapore-based professional wanted to purchase a new-build London flat off-plan, with a completion date 11 months from reservation. His income was in Singapore dollars, his deposit was held in a DBS account in Singapore and he had no UK credit history. We arranged a mortgage that exchanged alongside the developer's reservation deadline and completed on time.
Completed case — Yazdaan HussainRead →Foreign National · Mortgage
Joint mortgage approved for a couple where one applicant held ILR and the other held a Spouse Visa
A couple wanted to buy their first home together. One partner was a British national with indefinite leave to remain; the other was a non-EU national on a Spouse Visa. Joint applications where one applicant has restricted leave are handled inconsistently across the market — some lenders decline outright. We found a route that included both incomes and completed the purchase.
Completed case — Yazdaan HussainRead →International & Expat · Mortgage
UK mortgage for a Switzerland-based banker with CHF bonus income and no UK credit history
A senior banker based in Geneva wanted to purchase a London pied-à-terre. His total compensation was split between a CHF base salary and a substantial annual bonus — both paid by his Swiss employer. Standard UK lenders could not assess the income structure. We arranged a mortgage through a lender with genuine capability for Continental European financial services professionals.
Completed case — Yazdaan HussainRead →International & Expat · Mortgage
UK mortgage for a returning British expat from Australia with AUD income and a five-year UK credit gap
A British national who had been working in Sydney for five years was returning to the UK and wanted to buy rather than rent. His savings were in AUD, he had no UK credit file entries for five years and his employer transition was still in progress when he applied. Standard lenders applied their automated criteria and declined. We found a route to a competitive rate.
Completed case — Yazdaan HussainRead →International & Expat · Mortgage
London purchase for a China-based investor — source-of-funds clearance on CNY-denominated capital
A Shanghai-based business owner wanted to purchase a London flat as a long-term investment. His deposit — held across ICBC and Bank of China accounts in mainland China — generated extensive source-of-funds queries from both the lender and the UK conveyancer. We managed the documentation process and completed the purchase within the agreed timeline.
Completed case — Yazdaan HussainRead →International & Expat · Mortgage
UK mortgage for a US S-Corporation owner with K-1 distributions and no UK employment history
An American entrepreneur, resident in the UK on a skilled worker visa, wanted to purchase a family home in London. His income came from a US S-Corporation — structured for US tax purposes and distributed as K-1 partnership income. UK lenders had no framework for this. We found one that did, and completed the purchase.
Completed case — Yazdaan HussainRead →International & Expat · Mortgage
UK mortgage for a Frankfurt-based executive with EUR income and EU settled status
A senior technology executive based in Frankfurt — German national, EU settled status in the UK — wanted to purchase a London investment property. His income was euro-denominated, structured as salary plus significant annual bonus, paid through his German employer. We secured a mortgage on the investment at a loan-to-value that worked for his plans.
Completed case — Yazdaan HussainRead →International & Expat · Mortgage
UK buy-to-let mortgage for a Doha-based project manager with QAR income and no UK credit history
A senior project manager based in Doha — working for a major Gulf construction group on a tax-free employer package — wanted to purchase a London buy-to-let property. He had no UK credit history and his income was entirely QAR-denominated. We arranged the mortgage and managed the source-of-funds process with his Qatari bank.
Completed case — Yazdaan HussainRead →
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 is a trading style of Mortgage Force (UK) Ltd who is authorised and regulated by the Financial Conduct Authority. FCA Number: 843041. Registered in England and Wales, Companies House No: 09394027.