Presale valuation at risk and income on the books too low — Guaranti solved both at once, $600K approved without touching the client's term deposits

The client, a local resident, had bought a presale unit a few years earlier at roughly $750,000. With completion approaching, they began preparing the mortgage and down payment and ran into two problems at once. First, presale prices in the area had moved in recent years — if the bank’s appraisal came in below the original purchase price, the loan amount would shrink and the client would need to cover a larger down payment, but most of their funds were sitting in term deposits they did not want to break early. Second, their reported income was on the low side, and under standard income review it would not support a loan at 80% of the purchase price.

A friend referred them to Guaranti. The team worked both angles at once: on valuation, they shortlisted lenders willing to assess based on the original purchase price, keeping the down payment gap from widening; on income, they reviewed the client’s full asset and funding picture and found strong savings and overall financial strength that qualified for several lenders’ high-net-worth client policies.

The $600,000 mortgage was approved, and the client completed on the presale without having to draw down a large term deposit ahead of schedule.