Mr JW is an experienced homeowner, landlord and borrower who approached us after the initial benefit period on his buy-to-let mortgage came to an end.

Mr HR was a first-time buyer employed as a plant operator. He had no existing debt, was actively saving towards a deposit and hoped to purchase a new build home in his preferred location.

Miss H and Mr T were looking to purchase their first home together after almost four years in rented accommodation.

While Miss H was a first-time buyer, Mr T owned a residential property overseas that was being let, creating additional Stamp Duty Land Tax (SOLT) considerations.

Mr B, an HGV driver, and his partner, Miss T, an administrator, had recently purchased their home as tenants in common, ensuring each person's individual contribution to the property was protected.

As they prepared to welcome their first child, they wanted to review their financial arrangements and ensure their growing family would be protected should the unexpected happen.