MEET ALEX AND JAMIE

Alex, 35, and Jamie, 34, are an ambitious couple ready to buy their next home whilst navigating a dynamic financial landscape.

Their unique circumstances

Alex works as a freelance marketing consultant, earning around £60,000 annually, though her income varies month to month. Jamie is the co-founder of a successful start-up, drawing a fixed salary of £50,000 per year. The business has a good track record of profits, so far Jamie hasn’t drawn them all.  He has built up investments totalling £150,000. This combination of freelance income and business earnings creates a financial picture more complex than that of a standard employee.

Their individual needs

As foreign nationals living in the UK, Alex and Jamie are looking to purchase a unique, quirky property featuring a self-contained annexe designed to be part-let. This annexe will generate extra rental income to support their growing family and entrepreneurial lifestyle. Their property choice reflects their values, seeking a spacious, eco-friendly home that offers both sustainable living and financial flexibility.

Jamie previously experienced a minor credit hiccup with a missed credit card payment, which was swiftly rectified. They require a lender who understands their full financial situation, including the complex income streams, foreign national status, past minor credit issue, and the specific challenges of lending on a property with a part-let annexe.

With two young children aged 5 and 3, Alex and Jamie want a home that supports their family’s growth and lifestyle, combining modern sustainability features with the potential for additional income through part-letting.

Let’s hear from them…

How we can make their dream a reality

We specialise in working with clients who have complex financial and property needs, including non-standard income, foreign national status, and lending on unique properties.

Our experienced underwriters take the time to understand every aspect of Alex and Jamie’s financial situation and their specific property plans. We provide bespoke mortgage solutions tailored to support their entrepreneurial spirit and part-let arrangements, offering the flexibility they need to secure a quirky, sustainable home that aligns with their long-term goals.

To find out more, chat to your nearest BDM or view our product range.