How We Helped a London Buyer Borrow £80,000 More Than Their Bank Offered
The Situation
Our clients were a London-based professional couple looking to buy their next home with a required mortgage of £700,000.
They had strong incomes and a solid deposit in place, but wanted clarity on how much they could realistically borrow before progressing with their purchase.
The Challenge
After approaching their bank directly, they were told their maximum borrowing was £620,000, £80,000 short of what they needed.
Despite strong overall affordability, the bank’s internal model took a conservative view of income, limiting borrowing potential and putting their purchase at risk.
What We Did
We carried out a full lender-matched affordability review and:
- Compared lender criteria across the market
- Identified lenders with more flexible affordability models
- Structured income presentation to reflect the clients’ true borrowing strength
- Selected a lender aligned with their profile and deposit position
By matching the case to the right lender rather than relying on a single bank’s calculator, we unlocked additional borrowing capacity.
The Result
- Mortgage approved: £700,000
- Additional borrowing secured: £80,000
- Property purchase able to proceed successfully
Need a second opinion on borrowing power?
Many buyers are surprised to learn that different lenders can offer very different outcomes. Going direct to your bank is often not the wisest decision when it comes to exploring your mortgage options. You should always shop around, and the easiest way to do this is with the help of a qualified, professional, mortgage broker.
Not sure what you could actually borrow? We can usually tell you quickly with a lender-matched affordability review.
Call or send our team a message today to speak to a professional mortgage adviser.
