Mortgage Case studies
Real Client Circumstances
Anonymised
Real Mortgage Scenarios
Clear context, key challenges and relevant considerations, but kept anonymised.
Built to help you understand what may matter
Why we share
case studies
- Deposit and loan-to-value
- Income and employment
- Visa and UK residency
- Credit history and conduct
- Property type and purpose
- Timescales and documentation
Explore scenarios across the mortgage market
- First-Time Buyers
- Visa & Foreign Nationals
- Self-Employed & Contractors
- Adverse Credit
- Buy-to-Let & Investment
- Specialist Finance
Browse our Mortgage Case Studies
Case Summary
After completing the refurbishment of a six-room HMO in South West London, the borrowers needed a long-term buy-to-let mortgage to exit their bridging finance. By placing the case with a lender better suited to specialist HMO valuation, a revised valuation of £880,000 was achieved and a mortgage offer of approximately £660,000 was secured.
Purchase / Property Value
£880,000
Loan Amount
£660,000
Case Summary
A property investment company secured a heavy-refurbishment facility to purchase and convert a £310,000 Hampshire property into a six-bedroom, six-en-suite HMO, with funding structured around the acquisition, works programme and projected £500,000 GDV.
Purchase / Property Value
£310,000
Total Facility Amount
£317,220
Case Summary
An experienced property company purchased a Hampshire property at auction for approximately £198,000 and secured a combined purchase and refurbishment facility to support its conversion into an HMO. Around £100,000 was allocated to the refurbishment works, enabling the project to proceed towards a planned buy-to-let refinance.
Purchase / Property Value
£198,000
Total Facility Amount
£236,000
Case Summary
Two directors purchased a £627,500 single-let investment property through a newly established SPV limited company. Despite the new SPV structure, one director being a first-time landlord and the property’s higher flood-risk profile, a suitable lender was identified and the clients were able to proceed with the purchase.
Loan Amount
£470,625
Purchase / Property Value
£627,500
Case Summary
A couple buying their first home required a £213,750 mortgage on a £225,000 property with only a 5% deposit. Although several factors narrowed their lender options and made the required borrowing difficult from an affordability perspective, careful lender selection enabled them to secure the full amount with a competitive high-street lender.
Loan to Value
95%
Deposit
£11,250
Case Summary
Two applicants on visas were looking to purchase a £250,000 property with a 5% deposit. Both had lived in the UK for less than three years, worked on fixed-term contracts and had limited UK credit history.
Loan to Value
95%
Deposit
£12,500
How each case study is organised
The circumstances
Who the client was, what they wanted and the key facts that shaped the application.
The main challenge
The criteria, timing or circumstances that made the case less straightforward.
What was considered
The details that may influence affordability, lender choice and the way a case is assessed.
The reported outcome
What happened next, with identifying and sensitive client information removed.
What you can take from these cases
Compare your circumstances with anonymised examples and identify the questions that may be worth discussing.
A clearer starting point
See why deposit, income, credit, residency, property type and timing can affect how a case is approached.
Understand what may matter
Use a relevant case as a starting point for a conversation about your own mortgage requirements.
Move from reading to discussion
Questions about our case studies
These examples explain how different mortgage circumstances can be approached. They are not a guarantee that the same result, lender or terms will apply to another applicant.
Yes. The case studies are based on client circumstances handled by PBS Brokers. Identifying details may be removed or adjusted to protect privacy.
You normally need lender consent or an appropriate buy-to-let arrangement before renting out a property with a residential mortgage.
Are these real client scenarios?Interest-only is common, but repayment products are also available. The correct choice depends on cash flow and the capital-repayment plan.
Potentially, usually through an acceptable company structure such as an SPV, subject to lender criteria and independent tax advice.
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Let's Find the Right Mortgage for You
Amir Shojaee
Director and Founder of PBSBrokers
CeMAP Qualified Mortgage Adviser
At PBSbrokers, we offer a free initial consultation to review your income, deposit, affordability, credit profile, and mortgage objectives. Whether your case is straightforward or more complex, we'll help you understand the options that may be available and guide you through the next steps.