Case Study – £309,000 New Build Purchase
Background
Submitted late 2024 – Completed March 2025
Our client approached us seeking finance for the purchase of a new build residential property. Although the case appeared straightforward at first glance, several complexities quickly emerged, particularly surrounding the client’s source of deposit, and involvement as a minor shareholder within a wider company structure.
The finance required totalled £309,000, and the client needed a lender who could take a pragmatic, case-by-case view rather than apply standard criteria.
With multiple potential roadblocks, this case required specialist handling and strong lender relationships to secure an approval where others may have struggled – enter Senior Lending Executive, Adam Kipling.
Adam Kipling
Senior Lending Executive – Complex & Buy to Let
If you are looking for an expert mortgage broker, you can get in contact with Adam today by calling 08009499410 or by sending him a quick email
The Challenge
The client faced two significant hurdles:
- The source of deposit involved layered company structures, triggering enhanced underwriting scrutiny.
- The client’s role as a minor shareholder in another entity added further complexity, creating additional questions from lenders around affordability, sustainability, and financial background.
In many scenarios, this combination leads to either:
- An outright decline, or
- Acceptance only at significantly higher rates
Neither outcome was acceptable.
Our Strategy
Adam, supported by case manager Ashley Murphy, quickly conducted a thorough review of the client’s financial background and proposed deposit.
Using his in-depth knowledge of lender criteria, Adam identified Paragon as the most suitable fit.
Rather than submitting and hoping for the best, Adam engaged directly with senior contacts, presenting the full context upfront. Every element – deposit structure and shareholding – was evidenced clearly and transparently.
By positioning the case correctly and aligning it with Paragon’s appetite for well-structured exceptions, we secured terms that many brokers may not have achieved.
The Results
| Loan Amount | £309,000 |
| Mortgage Lender | Paragon |
Paragon agreed to lend the full £309,000.
The client secured competitive Buy to Let finance – avoiding the inflated pricing often associated with complex investment structures and corporate cases.
Why This Matters
Cases involving layered corporate deposits and shareholder income require more than access to lenders. They require:
- Deep criteria knowledge
- Direct lender relationships
- The confidence to structure and present exceptions properly
This case highlights the difference an experienced broker makes. When complexity creates friction, the right lender relationships and criteria expertise can turn a potential decline into a fully funded completion.
Discover why so many investors choose us
If this sounds similar to your own property needs and you want to discuss your options with an expert, call us today on 08009499410. If you are in a hurry, you can also request a callback by entering your details here.
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IMPORTANT INFO
Any property used as a security may be repossessed if you do not keep up with repayments on your mortgage.
