Retired borrowers who have taken out a lifetime interest-only mortgage. They have a considerable pension income and will use the mortgage for home improvements, travel, inheritance tax planning and for their grandchildren's school fees.

Single male client was approaching retirement with a substantial pension fund and significant assets, which he can utilise when it suits his circumstances.

Remortgage for a professional client who had a fast expanding business. The additional monies will be used to build a large office at his home which he and his staff will use.

First-time buyers required a loan where one of them had recently started a new job. Their parents acted as guarantors and they were able to put down a 25% deposit.

High net worth individual who had been living and working in Europe, but had recently taken up a senior position in England.

Couple who have tended to stay in a property for just over a year while they make major improvements - they then find another "project" and move on.

Retired woman wanted to develop the plot at the bottom of her garden to enable her to raise sufficient funds so that she could remain in her home rather than move to a cheaper property.

Client with income from various sources decided to buy a run-down cottage in an idyllic location. Once it has been refurbished the cottage will be utilised as a holiday let.

Lady owns an unencumbered shop with a flat above which are both let out. She is taking out a mortgage on the property so that she can make improvements to her own home.

Couple took out a mortgage so that they could purchase a holiday home which they will use themselves and also let out.

Lady with various sources of income applied for a modest mortgage to to enable her to buy her ex-husband's share of their home.

Couple obtained mortgage to purchase land to be used for grazing their horses.