Clayton-Welch helps a client to find a 95% LTV mortgage to buy a project property


Clayton-Welch helps a client to find a 95% LTV mortgage to buy a project property 

Jo is a professional HR director. In 2016 she worked for a large corporate employer and wanted to buy a new home in Chelmsford. However competition was high and prospective purchasers were offering over the asking price to secure properties in the area, even ones that needed refurbishment. For Jo, this meant two things 

  1. She had to be ready with a mortgage offer in order to move quickly once a conditional offer was on the table.
  2. She wanted a refurbishment project so she recognised that she would need additional funds after the purchase.

The situation

Jo needed a 95% mortgage but at the time very few lenders were offering them after they’d had their fingers burnt during the financial crisis, and lending criteria were tight.

She also had a complex financial history, including ownership of another property which she was renting out. She was worried that her circumstances would put off lenders.

Jo had approached a national mortgage broker but after their first meeting, she felt that their advice seemed generic and not very reassuring.

The solution

Jo was introduced to Bruno Welch at Clayton-Welch Associates. As an impartial mortgage broker he is able to research the market and work with a comprehensive range of providers to find the right mortgage product for a client’s circumstances.

Bruno took the time to understand Jo’s personal and financial situation but he also wanted to know what her long term goals were and advised her on how to present her financial history to lenders in a positive way.

Bruno then set to work investigating the market on Jo’s behalf to find the best available options.

The result

Bruno was able to leverage his knowledge of the market, suitable lenders and what they were likely to accept in an application so that Jo was able to buy the home she wanted without harming her credit rating in the process.

Clayton-Welch Associates

At Clayton-Welch Associates we specialise in offering professional, impartial support to people who need a specific type of mortgage or who have experienced difficulties with mainstream mortgage lenders in the past 

We work with a comprehensive range of providers from across the market to help clients find the right mortgage for residential and buy-to-let properties. For commercial mortgages we act as introducers only.

Your property may be repossessed if you do not keep up repayments on your mortgage.

We rely on referrals for our business, so customer service is the foundation of everything we do. We are passionate about finding you the mortgage you want and we accompany you through every step of the way to a successful application.

Find out how we can help you be ready to make an offer when you find the property you want. Contact Clayton-Welch Associates today.



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