£2.8million private bank remortgage placed by the specialists in large mortgage loans

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Thursday March 17, 2016

Need a million pound private bank mortgage? 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 in order get a better interest rate on their current mortgage. In addition, they wanted to purchase another property. This required borrowing of £2,800,000 in total, including raising capital of £500,000.

This case presented a challenge as the client had a complex income structure, consisting of three elements; a basic salary, annual cash bonus, and a share bonus award which would vest over 3 years.

Most high street lenders would recognise a client’s basic salary and annual cash bonus for the mortgage. However, it is uncommon for a bank to also accept vesting share bonus awards, as the funds are effectively locked away until the vesting period ends.


Using our extensive range of private bank contacts we were able to find a lender who would accept all three parts of their complex income structure. This allowed us to arrange a bespoke solution to meet their needs.

The client could both remortgage their property at a more favourable rate, saving them money, and purchase a second property, which they may not have been able to do otherwise.

Deal Highlights

Loan amount:£2,800,000
Rate:2 year fixed rate of 2.19%
APR:Overall cost for comparison 4.4% representative variable
Term:25 years
Type:Interest Only
Loan purpose:Remortgage
Lender’s arrangement fee:1%
Early repayment charges:2% in year one, reducing to 1% in year two


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 The rate quoted may become out of date at short notice and may not be available at the point at which customers enquire about it.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 4.4% APR representative variable based on 25 years at 2.19%. Lender’s arrangement fee is 1% of the loan amount. 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.

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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