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Large house / 50 acres / One title / Separate house / Separate utilities and Council Tax

Large house / 50 acres / One title / Separate house / Separate utilities and Council Tax

When a case seems straightforward, you’d be surprised at what causes a problem!

The challenge

On the face of it, it doesn’t seem like a challenge.

A beautiful home set in 50 rolling acres of land, but the fly in the ointment is a separate house which a relative lives in which is on completely separate utilities and council tax, but all on the same title.

Yes. This is a problem to most lenders.

The solution

There are lenders who are familiar with this sort of set up, particularly in the farming sector, as well as the private banking sector.

Some lenders are known for their own ‘traditional’ types of lending, and as brokers, we know who likes the ‘quirky’ types of property.

Another solution we proposed (which we didn’t need to do in the end), was the split the title and leave the separate house unencumbered, as the loan to value wouldn’t have been effected enough to impact the rate.

Either way, it was resolved!

After thought

There’s the real world of common sense, then there’s the mortgage world of common sense. Rarely do they mix! However we always tackle cases with problems with having a Plan A, and a Plan B in mind.

Other case studies

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Part-built self-build / No warranty / Down valuation.


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Multi-unit freehold block / 6 of 6 flats / Above commercial.


David was absolutely amazing, from helping us find the right mortgage, to advising us, to being on hand for silly questions we had. Nothing was too much trouble for him. I will absolutely be recommending him to our friends.

Frederica Turner

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