LendInvest Mortgages has delivered a mortgage offer in four days for a Key Worker looking to purchase their first home.

The borrower, a nurse, was seeking finance for a residential property in Tilbury, for her first home. The loan size was £141,000 based on an LTV of 85.60% on a LendInvest Key Worker Homeowner mortgage.

A dedicated underwriter worked alongside the broker, and the case was offered quickly following the valuation fee being paid, using the customer’s mixed income from her main job as a nurse, as well as additional income from the nurse bank.

The team were able to take 100% of her combined income for affordability and still process the mortgage as a Tier 0, despite a complex credit history.

Paula Mercer, head of sales at LendInvest, said: “This is a great advert for the speed at which our technology enables cases to move quickly. On paper, this applicant may struggle to get a mortgage on the high street, but by working closely with the broker, understanding the customer and our criteria that supports us to be flexible around income and past arrears, we were able to get her the mortgage she wanted.

“Getting the case offered in four days was great for us, and would be impossible without the speed with which the portal enables our underwriters to progress cases.”