When you're self-employed, getting a mortgage can be a challenge—especially if you’re not declaring much income. That’s the position one of our clients was in when he came to us. The only option available? A private lender. But we knew this wasn’t a permanent solution.

Here’s what we did:

• Secured funding through a private lender to get him into the property.
• Built a forward-looking plan to reduce debts and improve his tax position.
• Set a goal: get him out of private lending within 12–18 months.

Then life threw a curveball.

‍Unexpected debt popped up. His credit score dropped, and his balances were maxed out—making it impossible to switch to a big bank.

But he didn’t give up—and neither did we.

We arranged a temporary second mortgage, used it to clean up high-interest debt, and gave his credit score the room it needed to rebound.

The result?

‍Within four months, his score improved, and we transitioned him to a major bank, saving him 2.5% in interest.Now he’s in a long-term, stable mortgage—no more requalifying stress—and potentially set for 10 to 20 years.

The takeaway?

‍Being in a tough mortgage situation doesn’t mean you’re stuck forever. You just need a partner with a plan.

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