Flexible thinking for life’s unique financial situations

Not every mortgage application fits neatly into the standard lending box. And that’s where having expertise on your side can really make a difference. Take this recent case: a retired client, 58 years old, wasn’t yet drawing his pension and didn’t have a traditional income. What he did have was a healthy portfolio of investments. Bonds, shares, and a solid pension pot he simply hadn’t needed to touch.

He wanted to raise funds for home improvements but hit a common hurdle: no regular income meant many lenders wouldn’t entertain the idea. However, we worked with a small building society that took a more flexible, pragmatic approach. They assessed what could be drawn from his investments, recognised the strength of his assets, and agreed to lend based on this, rather than forcing him to cash in his investments.

The result? A tailored solution that suited our client perfectly. He kept control of his investments, avoided unnecessary withdrawals, and secured the borrowing he needed. No rigid rules. No box-ticking. Just a grown-up conversation and a sensible outcome.

So, if you’ve got something a little out of the ordinary, let’s see if we can help.