Making Generational Living Possible

The challenge

Our clients found the perfect setup, two flats on one freehold title. Their plan? To move their elderly parents into the ground floor flat while they lived upstairs. It was the ideal way to stay close, offer support, and still give everyone their own space.

But there was a problem: two self-contained flats on one title don’t fit neatly into most lenders’ boxes. It’s fine for a buy-to-let, but not so simple for a residential mortgage.

Initial feedback from lenders wasn’t promising. Most wanted the titles split first meaning thousands of pounds in legal fees with no guarantee a mortgage would follow. Not exactly a risk worth taking.

Our approach

The estate agent, worried the sale could collapse over the legal costs, referred the clients to us. They trusted our experience to find a lender who would look at the bigger picture rather than just the paperwork.

We took the time to understand the property, present the scenario properly, and speak directly with lenders who take a human approach to lending. We found a lender willing to consider the setup as it stood no title split, no unnecessary hurdles.

The outcome

We secured a mortgage offer that worked for everyone, allowing the clients to move one step closer to creating the multi-generational home they’d been dreaming of without the stress, uncertainty or wasted expense.

The takeaway: Sometimes, it’s not about finding any lender it’s about finding the right one.

How We Helped a Family Save Their Dream Home

Buying a home can be stressful enough, but for this client things nearly fell apart completely.

They’d first gone with another broker to arrange their mortgage, but the process dragged on. A month later, no valuation had even been booked and communication was patchy at best. Understandably, the seller lost faith and accepted a lower cash offer instead. Our client was devastated — the dream house they’d fallen in love with was suddenly gone.

That’s when they were referred to us. We got straight to work, arranging an Agreement in Principle so they’d be ready to move quickly when the right property came up again.

Not long after, we spotted that their original dream home had fallen back on the market — the cash buyer had pulled out. We immediately contacted the estate agent to see if our client could re-offer. Because they were already mortgage-ready, their offer was accepted on the spot.

Speed was everything at this stage, so we submitted the full application the very same day. Two weeks later, with the valuation completed, the mortgage offer was issued.

The result?

The seller got the price they wanted.

The agent got the sale back on track.

And most importantly, our client got the home they thought they’d lost forever.

This case just shows how much difference being prepared — and having the right broker in your corner — can make.

From “Computer Says No” to Keys in Hand

When this customer came to us, they were feeling defeated. They’d set their sights on buying their first home through a 50% shared ownership scheme, but their own bank had already shut the door. The reason? A few credit cards and a computer that didn’t care about the bigger picture.

They told us they were ready to give up on the idea of homeownership altogether. Thankfully, they gave us a call first.

What did we do differently?

We listened. Properly. The customer explained they’d just received a lump sum from their pension, which they were using to clear the credit cards and put towards the deposit. The problem was, their bank wasn’t interested in the context – they just saw the debt and pressed the red button.

As a whole-of-market broker, we went out to our lending partners, explained the full story, and found a lender who understood the situation.

The result?

A mortgage offer at a highly competitive 3.89% fixed for 5 years – cheaper than what their own bank could offer – and a clear path to moving into their very first home.

What started as a fear of never owning a property has turned into the reality of getting the keys. Proof that the right conversation, with the right broker, can make all the difference.