Client stories

Real examples of how we help foreign nationals and visa holders secure the right mortgage — anonymised, plain English, and focused on what changed.

Skilled WorkerFTB
“Amit” — 11 months in UK, thin credit file
“They showed which lenders accept short UK history and helped tidy my credit footprint.”

Before

  • 11 months UK residency
  • Skilled Worker visa
  • 5% deposit

After

  • Lender ok from 12 months residency
  • Deposit increased to 10%
  • Offer secured
Health & CareVariable pay
“Sofia” — agency shifts and bank work
“They explained which lenders accept mixed shift income and how much would count.”

Before

  • Base salary + agency shifts
  • 6 months with current employer
  • Nil UK credit

After

  • Lender counting 60–100% of variable pay
  • Clean conduct confirmed
  • Offer issued
Graduate visaSkilled Worker
“Dev” — switching route during application
“They timed the application around my sponsorship so the lender was comfortable.”

Before

  • Graduate visa
  • Offer of sponsorship
  • Probation period

After

  • Lender accepted with employer letter
  • Evidence of ongoing contract
  • Mortgage approved
Dependant visaGifted deposit
“Farah & Ali” — gift from parents abroad
“They told us exactly what proof was needed for the gift and transfers.”

Before

  • Gift from overseas
  • Currency conversion issues
  • Limited UK statements

After

  • Gift letter + donor KYC
  • Clear funds trail
  • Lender satisfied / offer issued
AncestrySelf-employed
“Kari” — one year accounts with strong pipeline
“They found lenders open to one year’s figures and packaged my forecasts.”

Before

  • 1 year trading
  • Sector continuity
  • High retained profits

After

  • One-year policy lender
  • Accountant’s letter accepted
  • Offer at sensible LTV
ContractorDay-rate
“Ravi” — brief gap between contracts
“They showed continuity and got the day-rate multiple accepted.”

Before

  • Day-rate contracting
  • 4-week gap last quarter
  • New extension agreed

After

  • Day-rate × multiple used
  • Gap evidenced
  • Offer issued

*As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.