Case Studies
Discover how we’ve helped clients secure funding across residential mortgages, buy to let, bridging finance, commercial lending, and specialist finance solutions.
Supporting Film Industry Professionals
FILM WORKER CASE
We supported a client working within the film industry on a day-rate basis across multiple film sets. Although the client had strong historical experience, there had been a three-month break between contracts before returning to work ahead of a new six-month project at £500 per day.
Traditional affordability assessments based on limited company accounts did not support the borrowing required for the client’s new home purchase.
Our specialist broker reviewed the wider lending market to identify lenders experienced in assessing contract-based income. Rather than relying solely on limited company accounts, we presented the client’s historical industry experience, contract continuity, and confirmed future earnings. This allowed the lender to gain a clearer understanding of the client’s true income position and overall affordability.
Through our specialist lender relationships and detailed case presentation, we secured approval outside of standard lending policy using the client’s day-rate income. The lender was able to assess the strength of the client’s ongoing contracts and future earning potential.
This enabled the client to secure the borrowing required and successfully proceed with the purchase of their new home.
Key Outcomes
Background: Film Industry Contractor (Day-Rate Income)
Challenge: Limited company accounts and a short contract gap did not support required affordability under standard criteria
Lenders Assessed: Specialist contractor-friendly lenders
Application Structure: Used day-rate contracts, industry experience, and confirmed upcoming 6-month engagement instead of relying on historic accounts
Funding Outcome: Successfully Approved outside standard lending policy using contractor income assessment
Key Learning: Strong contract history and future booked work can outweigh gaps and limited accounts when assessed by the right lender for contractor income.
