3M loan secured for major refurbishment in advance of work

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Friday March 4, 2022

Are you considering major refurbishment works? ​Our experienced team can access lenders who can finance up to 100% of the refurbishment build costs, enabling you to move through the refurbishment process quickly.

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Case profile

Our clients were US nationals seeking to raise capital to fund a major home refurbishment in advance of the works, to give them certainty of funding and enable them to progress quickly.

In addition to seeking capital for refurbishment works, the couple also needed to remortgage their property. Financing both the remortgage and the refurbishment together meant that the total amount the couple sought was over £2 million, which is above the typical maximum mortgage for many lenders.

The primary earner was a self-employed lawyer with a substantial income working as an equity partner at the London office of a US law firm. Our client had been there for just eight months. With no track record of annual income from the current firm and payment made in US dollars, we needed to source a lender willing to accept foreign currency and look at our client’s earnings from his previous role.


We sourced an outstanding 5-year fixed-rate mortgage from a high street lender by highlighting the client’s excellent track record of earnings from his previous firm. We achieved this by engaging the help of senior underwriters to create a bespoke product. The clients are delighted and are now progressing with their home improvements.

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We are the UK’s leading specialist in delivering innovative and bespoke financing solutions to global clients.


Specialists in creating innovative and bespoke funding solutions.

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