Mortgage case studies

No two customers are the same, so we won’t treat you like you are.

We don’t use an automated ‘tick-box’ approach to affordability. Real people make the decisions, not AI, so you can rest easy knowing that your application is getting the time it deserves.

We do things a little differently here at Furness Building Society. To ensure we can support you in the best possible way, we assess your individual needs, requirements and circumstances before making a decision.

It’s this flexible approach to lending that’s enabled us to help families secure their mortgages since 1865. Here, our mortgage case studies demonstrate how we’ve helped real-life customers overcome challenges to secure their mortgages.

Our case studies


Regulated Family Buy-to-Let case study

Renting a property out to a family member might sound like a good idea in principle, but it’s not as simple as you might think.

First time buyer case study

Securing a first time buyer mortgage can be even with one income. Here’s how we helped single buyer Peter secure his first mortgage.

Self-employed case study

Self-employed business owner, Paul, faced a few hurdles in securing a mortgage. By working closely with his accountant, we were able to help Paul’s family upscale their home.

Holiday-Let case study

Securing a Holiday-Let mortgage isn’t always straightforward. Here’s how we helped business owners, Scott and Helen, realise their Holiday-Let dreams.

Self-employed case study

Dr Kinsella’s unique working situation, with multiple income streams, needed a reliable lender to assess eligibility for a new mortgage, fairly and flexibly.

Home improvement case study

When Mr and Mrs Jackson set their sights on a significant and ambitious home extension, they needed our help securing the funds.

Buy-to-Let case study

Miss Peters needed our help overcoming barriers created by Interest Coverage Ratios (ICRs) when remortgaging her rental property.

Short-term lending case study

When Emma and Carl found their dream home they needed to move fast to raise additional funding with a flexible and reliable lender, or risk missing out.

Limited credit history case study

First time buyers, Shona and James, needed our help overcoming their limited credit history to secure their mortgage.

Short-term lending case study

When downsizing her home, Anne needed a short-term lending solution to bridge the gap between buying her new home and selling her current one.

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