Residential Mortgage
Success Stories
We help customers secure the right mortgage
Discover how we’ve helped first-time buyers, families and home-movers secure the right mortgage or remortgage to make their homeownership dreams a reality.
We’ve arranged residential mortgages and remortgages for everything from modern apartments and new builds to family homes across Bournemouth and Dorset.
Case Study: Finding the right solution for a couple buying together
The client
A divorced man and a divorced woman who had each sold their previous homes and wanted to buy a property together in Dorset. They were excited about their future but also wanted reassurance that their new purchase would protect them both fairly.
The challenge
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The couple wanted to combine their resources to buy a new home.
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They didn’t want to be financially tied in a way that meant they couldn’t access their share if circumstances changed.
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They knew they needed “something different” but didn’t know what options existed.
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Most lenders default to a joint tenancy arrangement — where both parties own the whole property together. Under this setup, if one wanted to sell, both would need to agree, and if one passed away, the other would automatically inherit their share.
Our solution
After listening to their concerns, we explained the option of buying as tenants in common.
This meant each person would own a defined percentage of the property (e.g. 50/50, or another split they agreed on).
Each could pass their share on separately in their will, and they wouldn’t automatically inherit from the other.
If one wanted to sell, they could still realise their share without relying solely on the other’s agreement.
We identified a lender prepared to accept this arrangement and guided the clients through the mortgage process.
We also liaised with their solicitor to ensure the legal structure reflected their wishes and protected both sides.
The outcome
The couple successfully purchased their new home together.
Each now owns a defined share, giving them independence as well as the ability to move forward together.
They were relieved to discover there was a practical solution available — one they hadn’t known existed before speaking with us.
Looking at buying a new home or remortgaging?
Book a free consultation today and get tailored, no-obligation mortgage advice.
Case Study: How we helped a client buy a probate property without unnecessary delays
The client
Our client was purchasing a leasehold property through probate, but there were two significant complications.
The challenge
Firstly, the lease needed to be extended.
Many lenders require the lease extension to be completed before they'll even consider a mortgage application, which could have delayed the purchase by several months.
Secondly, our client was due to start a new job but hadn't actually begun employment yet.
Many lenders are reluctant to lend where employment hasn't started, creating another potential obstacle. The client was understandably keen to complete the purchase as quickly as possible and avoid losing the property.
Our solution
Rather than waiting for the lease extension to complete, we identified a lender whose criteria allowed the mortgage application to proceed before the extension had been finalised.
At the same time, we carefully assessed which lenders would be comfortable considering the client's new employment contract, despite the role not yet having started.
Throughout the process, we remained in regular contact with the client, solicitor and lender, providing updates and being available outside of traditional office hours whenever questions arose.
The outcome
By selecting the right lender from the outset, the mortgage application was able to progress without waiting months for the lease extension to complete.
The client successfully secured their mortgage, avoided unnecessary delays and completed the purchase of their new home with confidence.
Thinking of buying a property with complex circumstances?
Every lender has different criteria, and situations that one lender declines may be perfectly acceptable to another.
Whether you're buying a probate property, dealing with a lease extension, changing jobs or have another non-standard situation, Bournemouth Mortgages can help you understand your options and find the lender that's the right fit for your circumstances.
If you'd like to discuss your situation, get in touch for a no-obligation conversation.
Why use Bournemouth Mortgages for your home move or remortgage?
At Bournemouth Mortgages, we:
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Support first-time buyers, home movers and homeowners remortgaging.
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Search the whole market to find the right deal for your needs.
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Explain everything clearly, with no jargon.
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Handle the paperwork and liaise with lenders, solicitors and estate agents.
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Are FCA-regulated and proud to be named one of the top mortgage brokers in Bournemouth by The Times.