A tailored, fully managed mortgage strategy was implemented:

1. Income Positioning Strategy
   Rather than relying on a two-year average, suitable lenders were identified who could assess affordability based on the most recent year’s income. This significantly improved borrowing potential.
2. Specialist Lender Access
   By leveraging a broad lender panel, options were sourced that better accommodate self-employed applicants with non-standard income streams.
3. Flexible Borrowing Range
   Indicative borrowing capacity was established between £78,000 (based on averaged income) and up to £120,000 using a more favourable assessment approach, giving the client flexibility while property searching.
4. Documentation Guidance
   Clear support was provided around acceptable proof of address and income verification, ensuring compliance despite non-traditional circumstances.
5. End-to-End Management
   A structured process was outlined, including document submission, Agreement in Principle, and full application handling, alongside coordination with solicitors and insurers.