👉 Flexible Lending Where It Matters Most 👈

Not all remortgages are straightforward, and not all properties fit into the standard box. In this case, a couple wanted to remortgage their agriculturally tied property to raise capital and repay a private family loan. Many lenders would have hesitated. We didn’t.

At The Stafford for Intermediaries, we understand the real-world stories behind mortgage applications. That’s why brokers turn to us for solutions- not restrictions.

The Case at a Glance

  • Remortgage Value: £565,000
  • Capital Raise: £300,000 (to repay a family loan)
  • Property Type: Residential property with an Agricultural Tie
  • Income: One applicant employed, with regular annual bonus

The Challenge

The client needed to remortgage to repay a substantial family loan, but the property’s agricultural restriction and the use of bonus income for affordability could easily have derailed the application with a high street lender.

Key concerns:

  • Agricultural Tie: Often misunderstood or outside standard policy
  • Bonus Income: Needed to be included in full to meet affordability
  • Family Loan Repayment: Required flexibility to raise funds for a non-traditional use

Our Solution

We reviewed the case using manual underwriting and assessed the application on its full merits:

  • The agricultural tie was within our criteria. With confirmation from the solicitor that the applicants satisfied the conditions, we progressed without issue.
  • The applicant had a two-year track record of similar bonus income, so we included 100% of their annual bonus in the affordability calculation.
  • The capital raise was approved as we had clear, documented evidence of the private debt owed to the applicant’s father.
  • This remortgage and capital raise was delivered in full — an unusual case that many lenders would have declined, but one that we were happy to support.

Why Mortgage Brokers Choose The Stafford

When your clients don’t fit a tick-box model, you need a lender that understands flexibility and context. That’s where we excel.

Our difference:

  • Manual Underwriting
  • Local Decision-Making
  • Access to Relationship Managers, Not Portals
  • Proven Complex Case Capability

Whether it’s remortgage lending, agricultural property cases, or unconventional income, we’re here to find a way — not a reason to say no.

Place Your Complex Case with Confidence

Working with The Stafford for Intermediaries means partnering with a lender who understands the real world, and makes lending decisions accordingly.

To discuss your case or find out how we support mortgage brokers:

Contact Emma Parker, National Accounts Manager

Email: brokers@srbs.co.uk

Phone: 01785 223212

The Stafford for Intermediaries – More Human. Less Hurdles.