Mortgage Market News

Private banks are breaking new boundaries on loan to value ratios

Wednesday March 27, 2019

Here at we always want to be the first to deliver our clients ground-breaking developments in the larger loan space.

In recent weeks we have seen private banks move into unprecedented territory in considering up to 70% loan to value (LTV) on a ‘dry lend’ over £10 million. That means they will consider a 70% LTV on £10 million without assets under management (AUM) on the other side of the balance sheet to secure the loan, for what they consider to be the right client.

Click on the video below to see what Paul Welch, CEO and Founder of, has to say.

Welch says, “Previously we had not seen LTVs higher than 50% on loans above £10 million, so this really is unique and extraordinary territory for private banks, who are using their balance sheet to attract the right type of client. This is effectively a mortgage and has been driven by private banks needing to compete in times of uncertainty.”

Our team are seeing terms of 3-5 years which can be fixed. Private banks have a range of different offers and requirements for the right clients, all of which can be negotiated and tailored to individual circumstances.

Welch says a range of factors have driven the move, “Mainly this is about competition and it’s a play for the banks to cultivate client relationships in uncertain times. The banks are also mindful that valuations have been squeezed in a stagnant housing market. Anyone looking to leverage a prime piece of real estate is likely to be looking at a much lower valuation than they were three or four years ago. However, the banks are taking a long-term view that values will bounce back over time in prime areas.”

If you are interested to find out more, don’t hesitate to get in touch to discuss your individual requirements.

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