This case study showcases how Aria Finance delivered a fully packaged, high-LTV second charge mortgage in just 24 hours from application to completion. Working with a lender offering automated valuations and no requirement for first charge lender consent, we secured a swift and life-changing solution for our client.
The Client:
The applicant was a residential homeowner living in a three-bedroom mid-terrace property, valued at £445,000 via an Automated Valuation. The client, a sole applicant with one dependant, had accumulated unsecured debt due to a combination of personal challenges including a separation, a period of maternity leave, and the costs of necessary home renovations.
The Situation:
With debt repayments totalling £50,675 and a further £39,325 owed to her father, who had assisted with the original property deposit, the client was under considerable financial pressure. The burden of multiple repayments had become unsustainable, and she needed a structured and long-term solution to avoid falling into further debt.
Our Solution
Aria Finance acted quickly and efficiently. We received the application at 2:30pm on a wednesday and, having ensured all documentation was correct, submitted the fully packaged case to the lender by 4:30pm the same day. The lender’s use of an Automated Valuation at 85% LTV, along with no requirement for consent from the first charge lender, allowed for a streamlined process. The case was offered by 3pm the following day, and funds were released shortly thereafter, resulting in full completion within 24 hours.
Benefits & Results:
The client has now consolidated her existing credit, reducing her monthly repayments by up to £1,231 and significantly easing her financial burden. Importantly, she was also able to repay the £39,325 to her father, resolving a key personal commitment. This case not only delivered immediate financial relief but also provided long-term peace of mind and stability. Aria Finance’s ability to move fast with the right lender partner made all the difference.
