Clients were first time buyers and had been saving for a deposit for two years. During this time house price growth exceeded the pace clients were able to save and their buying power gradually diminished. A local new build development became available with a discounted purchase scheme known as a 106 agreement exclusively available to local residents. The property to be purchased was a “new build” and complicated by the section 106 agreement requiring local authority approval, clients modest deposit, clients fluctuating income and low credit score. Through a series of conversations with multiple lenders and underwriters we were able provide sufficient information and confidence to the applicants financial position resulting in mortgage approval within 48 hours.