Every case here is real and every detail that could identify a client has been removed. They are here to show the kind of problems that get solved, not to suggest that your case will go the same way. Every application is assessed individually by the lender on its own facts, and I will tell you early if something cannot be placed. If your situation looks like one of these, get in touch or book a 15 minute call. Your home may be repossessed if you do not keep up repayments on your mortgage. Some buy to let mortgages are not regulated by the FCA.
CASE STUDIES
Case Studies
From HTG Mortgages
Real cases I have recently worked on at HTG Mortgages. Names and a few details are changed to protect the people involved. The problem, what nearly stopped it and the outcome are exactly as they happened.
Last Updated: September 2026
Every case is from my own desk in the last year or so
The awkward bit is left in, not tidied away
Each one ends with what it means if your situation looks similar
Recent cases
Each one is a real case I have placed, written up in full: who the client was, what nearly stopped it, and how it got over the line. Names and details changed.
Company director · Residential purchase
5.8 to 4.9
income multiple on the same accounts, read by a different lender
The company director who was told her house was out of reach
Salary plus dividends put a £325,000 mortgage at 5.8 times income. Assessed on salary plus profit before tax, the same accounts brought it to 4.9. She completed on the house.
Read the case studyRight to Buy · Council tenants
£102,400
the discount they kept, against £38,000 under the current cap
Right to Buy after the discount cut: the application date that changed everything
Their application reached the council days before the caps were cut in November 2024. That date was worth over £64,000. Then a rural area resale restriction decided which lenders were in play.
Read the case studySelf-employed · First-time buyer
1 year
of full-time accounts, income from a single US platform
A first-time buyer with one year of self-employed income from an online platform
Most lenders want two years. The part-time years before going full-time, and a sterling payment from a named payer, made it a high street case with the application in within 48 hours.
Read the case studyLimited company · Buy to let
£875 v £480
rent the flat lets for, against what the lender needed
The property company that had bought everything in cash and looked like a first-time landlord
Two flats bought outright, no rent coming in yet, and a deposit built from directors' loans. Most lenders would not look at it. One takes all three as standard.
Read the case studyNHS doctors · High value purchase
2 weeks
from first enquiry to mortgage offer on a £705,500 loan
Two NHS doctors, one larger mortgage, offer in two weeks
Salary, allowances and locum work, a 15% deposit and a higher value home. Set out in full at the start, the right premier range did the rest.
Read the case studySpeak to an expert
Whether you’re buying your first home, moving house or remortgaging, HTG Mortgages, a whole-of-market mortgage broker in Winchester, is here to make the process as simple and stress-free as possible. I’ll compare mortgages from over 120 lenders, guide you every step of the way and help you find the right mortgage for your circumstances.