We work with banks that look at your full financial profile as a high net worth individual, which means we can often source lending solutions that are purely bespoke for your high value lending needs, that maintains your liquidity.
We can offer you options providing:
For HNW/ Larger loan requirements, when it comes to mortgages over £1 million lenders will usually want to see a larger deposit.
Typically main stream lenders will cap lending at 70% to 75% LTV (loan to value) e.g. on a central London property for example priced at £5 million as a borrower you would be expected to deposit £1.25 million to progress the deal.
This can be a sticking point for high net worth clients who want to maintain liquidity . The good news is that we work with lenders that take a more bespoke approach to mortgage lending.
Bespoke lending based on a more informed approach to a client’s circumstances means we can put in place lending solutions which are tailored to a client’s needs.
For example many of our clients want to work on an interest only basis.
Typical high street lenders will often have caps on how much can be borrowed on large loans over 1 million restricting the interest only portion to anything from 50% to 75% LTV.
We work with banks that look at your full financial profile as a high net worth individual, which means we can often source lending solutions that are purely bespoke.
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