Initial Enquiry
A professional couple approached The Mortgage Broker looking to purchase their dream home valued at £1,050,000. As newly qualified professionals (Barristers) with strong future earning potential, they needed a lender who would recognise their income trajectory rather than just their current salaries.
The Challenge
- High purchase price with an 85% loan-to-value (LTV) requirement
- Newly qualified professionals with limited mortgage history
- The need for a long-term repayment strategy to keep monthly payments manageable
- A competitive London property market where delays could mean losing the property.
The Solution
After carefully assessing their circumstances, Jodi Spreadbury secured a mortgage of £892,500 on a 40-year repayment term. The recommendation was a 5-year fixed rate at 4.19%, giving the couple payment certainty in the medium term.
This solution balanced affordability with long-term planning and reassured the lender of the couple’s future income growth.
The Result
- Mortgage approved swiftly within 3 weeks of submission
- Secured a competitive fixed rate despite high LTV
- Monthly repayments of £3,843, enabling the couple to comfortably manage costs while progressing in their careers
- Peace of mind knowing their mortgage was future-proofed against rising rates.
How This Helped
The couple were able to secure their property quickly and with confidence by structuring the mortgage to reflect their situation as higher earning professionals at the start of their careers. Meaning they achieved security, as well as future flexibility.
This case study highlights how expert mortgage advice makes the difference in high value property purchases — especially when standard lender criteria may overlook future potential.
Yes. While many lenders prefer lower LTVs for larger loans, specialist brokers can access products that allow up to 85% LTV — particularly when borrowers have strong income growth potential or are newly qualified professionals.
A longer mortgage term, such as 35–40 years, can make repayments more affordable in the early years while career income builds. Clients can always reduce the term or make overpayments later.
Large loan and high-net-worth mortgages often require bespoke solutions. A broker has access to lenders who can consider complex income structures, future earning potential, and offer competitive rates not always available on the high street.
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