Everyday we receive enquiries from brokers looking to place complex cases with us. This can mean anything from income from various sources, credit issues or multiple loan parts.

Handling these types of cases is what makes us different from high street lenders.  We manually assess, discuss and evaluate each case on its merits and help borrowers who don’t quite fit the mould.   A current JBSP (Joint Borrower Sole proprietor) case highlights our flexible approach.   Dan is an apprentice IT technician with the NHS.  His mother, Jane, is a Finance Manager at the local county council.  Jane and her husband wanted to help her son get on the property ladder. Dan has saved £10k towards his deposit and his parents gifted him the remaining amount which made the LTV 77%.  In addition, because Dan is on a low starting income of £10k which will rise to £25k after 1 year,  Jane will be named on the mortgage to help with payments.  Dan will move into his new flat, and as his income rises he will be in a position to take over the payments.  We conducted budget planners using current income and future income and this coupled with both participants having excellent credit history has meant that we were able to lend them the required amount of £190,999.

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For more details and information visit www.bucksbs.co.uk/intermediaries or call our team directly Tel: 01494 879500 Email: intermediaries@bucksbs.co.uk

To register with us, and  complete an on-line application visit BrokerOnline.