Every mortgage case tells a story. Some are straightforward. Others reflect life’s turning points, with people starting again after change. These are often the cases that need a lender who is willing to look deeper.

Recently, a broker approached us on behalf of a self-employed client, a skilled craftsman with a solid track record. He had built a successful limited company over several years. But following a divorce, he needed to raise capital to buy out his ex-partner and keep the family home.

On paper, it was not a simple case. His income had dipped during the separation, and his business structure was evolving. He also planned to let part of the property while living in the remainder with his children. For many lenders, these complexities might have been enough to say no.

We looked closer.

Taking a Human Approach to Mortgage Lending

Rather than rely solely on income multiples, we reviewed his full accounts, spoke directly with his accountant, and took the time to understand the business trajectory. It became clear the lower income year was an exception, not a trend. Forecasts supported a return to normal trading levels.

We also factored in the projected rental income from the section of the property to be let. While not the primary source for affordability, it contributed to building a balanced and realistic picture of his financial position. Under our criteria, a portion of that rental income could be included.

Manual Underwriting in Action

Because we underwrite manually, we were able to assess the case with nuance, using judgement rather than a formula. We liaised with the broker, reviewed supporting documentation, and added conditions to ensure the property would be ready to let upon completion. The case went to our daily review, and everyone agreed the approach was sound.

In the end, we offered a mortgage that allowed the client to:

  • Buy out his ex-partner
  • Maintain business continuity
  • Secure a stable home for his children

Affordability worked. The plan was sustainable. And the decision felt right for the client, the broker, and for us.

Why Manual Assessment Still Matters

Real life does not always fit the standard model. Income fluctuates. Circumstances change. But when the fundamentals are strong, there is often a good case waiting to be seen.

This is why we continue to believe in manual underwriting. It gives us the space to see people, not just profiles. It allows us to ask questions, apply logic, and find the story behind the numbers.

Have a case that does not fit the usual model?

Our BDM team, Emma Parker and Maisie Hartland, are here to help. You can reach them on 01785 231 444 or at brokers@srbs.co.uk , or visit The Stafford for Intermediaries website to learn more.

Sometimes, all it takes is a conversation to find the way forward.