James, Brighton

28th May, 2021

James does not own his own residential mortgage but has 2 Buy To Let properties. He would like to purchase another BTL property with his girlfriend Sheila who does also not own a residential property. As he is an experienced landlord this was not a problem. However, it did fall down at application with the lender not being satisfied that they did not intend to live in the BTL purchase. We applied to another lender who was more understanding as to the applicants’ intentions and the mortgage was offered.

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