Application to Offer in 2 Working Days for Non Standard Property

Application to Offer in 2 Working Days for Non Standard Property

Area
Gloucester
Capital Raised
£215k

The Scenario

Our client faced a critical situation when their original mortgage offer with a high-street lender was revoked just two weeks before their completion date:

  • The property was identified as pre-1900s with a timber frame construction
  • But this non-standard construction aspect was only flagged by the solicitor after the bank had initially offered, despite it being identified in the survey months prior
  • The construction type fell outside the bank’s lending policy, and they immediately revoked their decision
  • However, our client had already exchanged contracts and was due to complete in two week’s time, creating an urgent time pressure

Needless to say, our client felt letdown and frustrated by the mortgage process, and came to us for a fast, no-nonsense solution.

The Solution

For this case, we focused on speed and efficiency.

After clearing up some technicalities on the call, the adviser was able to submit a new application to a different lender on the very same day as the call.

A lender that was:

  • Known for their rapid processing times
  • More flexible with their lending criteria for non-standard properties
  • Typically able to complete automatic valuations even for timber-frame properties (significantly speeding up the process)

Our client was delighted, and it stresses the importance of having access to multiple lending solutions and understanding each lender's strengths in the market – no two lenders are the same.

When time is critical, knowing which one can both accept the case and process it quickly can make the difference between a successful completion and a costly failed transaction.

Simon Mullins

Finance Broker CeMAP

Cardiff

0117 959 5094

Are you looking for a similar type of property finance?

As a specialist bridging adviser at Clifton Private Finance, I can take a holistic view of your situation and find the right finance solution for you. Book a free telephone consultation with me at a time to suit you.

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Paige Dumpleton

Finance Broker CeMAP

Cardiff

0117 959 5094

Are you looking for a similar type of property finance?

As a specialist bridging adviser at Clifton Private Finance, I can take a holistic view of your situation and find the right finance solution for you. Book a free telephone consultation with me at a time to suit you.

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Jonathan Moffatt

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Cardiff

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Alex Morris

Private Client Adviser

Bristol

0117 332 5061

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I have extensive experience securing UK mortgages for clients. Book a free telephone consultation with me at a time to suit you.

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Scott Dutfield

Finance Broker

Cardiff

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As a specialist bridging adviser at Clifton Private Finance, I can take a holistic view of your situation and find the right finance solution for you. Book a free telephone consultation with me at a time to suit you

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Carly Cheeseman

Head of International

Bristol

0117 457 9922

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I have extensive experience securing UK mortgages for clients. Book a free telephone consultation with me at a time to suit you.

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Nick Kerley

Finance Broker

Cardiff

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Louis Levine

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Sam Baker

Finance Broker

Cardiff

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Fergus Allen

Senior Finance Broker

Cardiff

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Jacob Phipps

Finance Broker

Bristol

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I specialize in helping international clients source residential and investment property finance for UK property. Book a free telephone consultation with me at a time to suit you.

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Jack Spillane

Finance Broker

Bristol

0117 959 5094

Is your situation similar to this? I specialise in helping clients who need creative development finance solutions, and second-charge mortgages. Give me a call any time and we can set up a detailed discussion of the finance you need. customDatabaseField-8455

Mathew Phillips

Senior Finance Broker

Bristol

0117 959 5094

Are you in a similar situation? I specialise in bridging finance at Clifton Private Finance - I will find you the best funding solution for your property transaction.

Book a free telephone consultation with me at a time to suit you.

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Alex Chambers

Senior Private Client Adviser

Bristol

0117 403 4324

Are you in a similar situation? I am a specialist in residential and investment property finance for UK and international clients at Clifton Private Finance. Please don't hesitate to get in touch for a no-cost discussion of the finance you need.

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Luther Yeates

Senior Finance Broker

Bristol

0117 244 5561

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I have extensive experience finding residential and investment property finance for UK and international clients. Book a free telephone consultation with me at a time to suit you.

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Sam ONeill

Senior Finance Broker

Bristol

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