A first-time landlord funded their deposit through a capital raise on their home. Using our expertise and trusted lender relationships, we quickly secured a competitive same-day offer to support their purchase.
At a Glance:
- First‑time landlord purchasing their first property investment
- Purchasing a two‑bedroom flat in Staffordshire
- Deposit raised directly with their residential lender through a capital raise
The Case
Our client, a first‑time property investor eager to begin their property investment journey, had set their sights on a two‑bedroom flat in Staffordshire. After missing out on several properties earlier in their search, they were happy when their offer was accepted.
To help fund the deposit, our client had approached their existing residential lender and successfully raised capital against their home before coming to us for support with the buy to let mortgage.
The Solution
We needed to secure a lender that would accept a deposit raised from equity in the borrower's home and first-time landlord applications.
Using our experience and strong relationships across the market we were able to move quickly. We identified a lender that was able to issue a competitive same‑day offer, enabling our client to finally secure their first investment property.
The Finance
Property value: £146,000
Loan amount: £109,500
LTV: 75%
Rate: 3.68% fixed for 5 years
Term: 35 years, interest-only
Monthly rental income: £650
Monthly mortgage payment: £360.69
Lender arrangement fee: £3,285
*Rate as of October 2025
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