Richard and Julie are 50 & 51 and married with three children living at home. They have fluctuating and multiple sources of income including retained profits from their established plumbing business. Unfortunately, a small issue with HMRC four years ago due to a rogue accountant means their credit rating has taken a hit.
They are wanting to raise an additional £50k on their existing £200k to improve their 4-bed house in Essex worth £650k.
