£2.6 million residential remortgage for High Net Worth Client

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Wednesday March 15, 2017

Need a million pound plus remortgage? We have the banking contacts to provide a tailored solution where other lenders may not be able to help. To discuss this or any other large or complex mortgage case, please contact us on 020 7519 4984 or email us.

Case Profile

The client wanted to remortgage his home, which is valued at £4.75 million. However, due to the nature of his income it was a challenge to find a lender willing to lend him the amount he required.

The client works for a private equity company. He receives the majority of his income in the form of capital gains from investments that he advises on. This means his income level is changeable from one month to the next. As a result this presented a challenge, as the client could not meet the necessary affordability criteria of most lenders.


Using our expereince in complex mortgage lending and excellent contacts with a range of lenders, who lend on different criteria, we were able to find a million plus mortgage solution for the client.

We took the time to evaluate all aspects of the client’s circumstances and were able to put his case successfully to a lender, who was happy to take a view on his income structure. We evidenced the historical earnings of the client and demonstrated the income generated from a private investment portfolio. The lender accepted this as sufficient income and was happy to proceed with arranging the mortgage.

The client was pleased with this solution as he was then able to remortgage his home.

Deal Highlights

Loan amount:£2,600,000
APR:Overall cost for comparison 3.2% APR representative variable
Term:17 years
Type:Interest only
Loan purpose:Remortgage
Lender’s arrangement fee:£4,999
Early repayment charges:5% in year 1, 4% in year 2, 3% in year 3, 2% in year 4 and 1% in year 5 of the loan amount


This case study is for information and illustration purposes only. It is not an offer, or suggestion of an offer. Each mortgage case is assessed on an individual basis and there is no guarantee that the solution described here can be repeated in the future.

Please note that this specific deal may not be available to – or suitable for – all customers, dependent on their individual circumstances. The rate quoted may become out of date at short notice and may not be available at the point at which customers enquire about it. This document may not contain all the information needed for customers to make a decision and they should seek advice.

Overall cost for comparison of regular mortgage 3.20% APR representative variable based on 17 years at 2.19%. Lender’s arrangement fees of £4,999. The actual rate available will depend on your circumstances. Ask for a personalised illustration.

largemortgageloans.com is a trading name of largemortgageloans.com Ltd. A fee of up to 1.17% of the mortgage amount is payable, of this 25% is payable on application and the remainder on completion, e.g. on a mortgage of £1,000,000 the fee would be £11,700 of which £2,925 would be payable on application. The precise amount will depend on your circumstances.

Your home or property may be repossessed if you do not keep up the repayments on your mortgage. Changes in the exchange rate may increase the sterling equivalent of your debt.

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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.  

largemortgageloans.com is a trading name of Largemortgageloans.com Ltd, Aegon House, Ground Floor Suite, 13 Lanark Square, London, E14 9QD authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration number is 302228 and can be viewed by visiting the FCA website: www.fca.org.uk. The FCA does not regulate tax advice or some aspects of commercial, buy to let, overseas mortgages, bridging finance, finance and asset lending. Largemortgageloans.com Ltd is a licensed credit broker, and not a lender.

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Largemortgageloans is a trading name of Largemortgageloans.com Ltd, Aegon House, Ground Floor Suite, 13 Lanark Square, London