05/09/2026
🦷 They Found The House They Wanted. Their Accounts Weren’t Ready.
The next set of accounts were due in just one month.
Most people would say, “Wait.”
But what if the house was gone by then?
This couple were both dentists and had owned their practice for over three years.
The business had grown significantly, particularly through private dentistry, and the latest figures were strong.
The issue was timing.
🏡 They had found a home they really wanted, but waiting for the new accounts could mean losing it.
So instead of accepting “come back next month”, I approached high street lenders we have relationships with who are willing to look at strong cases outside the usual box.
We explained the business.
The company structure.
The retained profits.
The management figures.
Had the accountant confirm that the increased profitability was sustainable.
✅ Four high street lenders were prepared to consider the application using projected figures, subject to their usual checks.
That was the key.
We did not jump straight to a secondary lender with higher rates and fees just because the case was more complex.
We exhausted the high street options first.
The clients are still deciding whether they want to proceed.
But now they have a choice.
💡 Sometimes good mortgage advice is not about finding the obvious lender.
It is about understanding the numbers, understanding the story behind them, and knowing who is actually worth asking.
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