Jon White
Runs his own photography business
Wants to buy a house with his girlfriend Liz.
Sensible and serious enough to run his own business, but not deemed reliable by some lenders, Jon is a classic example of someone who needs a modern mortgage lender. Why is he seen as being unreliable? Jon can't figure it out either. Ok, so he doesn't receive a conventional wage, and it doesn't get paid into his account on the 25th of every month, but he has been running a successful business for the past 2 years.
Jon's been looking to move in with Liz for a while. It'll be their first house, so not only do they have all the concerns of which mortgage will be right for their circumstances, but they also have his employment status to deal with.
He decided that they needed a modern lender who understands modern ways of thinking. So as you can imagine, Jon was very relieved to discover that Giraffe's more amenable attitude could help them.
Giraffe know that if you're shrewd enough to manage your own business, you'll be wise enough not to inflate your figures in order to get a mortgage that's larger than you can expect to meet the repayments on. So they don't ask to see years of certified accounts.
Giraffe recognise that their customers are financially savvy - that they are after the best rates and mortgage packages that suit them. So that's exactly what they give them.
Please note that the above case study is purely fictitious and not based on true characters.