£1.5m remortgage secured for HNW self-employed older borrower

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Are you an older borrower with a complex income structure looking for a large remortgage?  We are experts at arranging large loans for high-net-worth clients who earn their income from various sources. We have private and specialist banking contacts to provide tailored solutions to suit your requirements.

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Case profile

Our client, an HNW older borrower, was paying a high variable interest rate on his home, which was owned by his UK Limited Company. The client wanted to remortgage to a fixed rate on an interest-only basis to reduce payments and improve cash flow.

Our client’s income structure was complicated, being from an overseas family business in a country deemed high risk and a small buy-to-let property portfolio, hence sparse liquidity. Moreover, our client’s age was a concern – considered an older borrower, which traditional lenders tend to eschew due to concerns over meeting mortgage repayments.

Case solution

We sourced funding from a private bank that was happy to lend to a limited company where the company owner lived in the property, with no assets under management, and using the client’s overseas income.  They felt comfortable lending our client a mortgage on a fixed rate interest-only basis for the whole term as the client has many repayment routes in the UK & Overseas. The deal arranged using our long-standing private banking contacts saved our client a whopping £3000 on monthly repayments. Our client is overjoyed with their new mortgage terms and lower monthly repayments.

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Your home or property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Changes in the exchange rate may increase the sterling equivalent of your debt. You may have to pay an early repayment charge to your existing lender if you remortgage. Think carefully before securing any other debts against your home.  

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