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£4 Million Buy To Let Mortgage

Need a million pound mortgage? We have the private banking contacts to provide a tailored solution. To discuss this or any other large mortgage case, please contact us.

Case profile

The client is an entrepreneur and wanted to purchase a £9 million Buy to Let investment property in London. The property was a freehold house split into 4 self-contained flats, which the client intended to rent out. The client needed to borrow £4 million for the purchase and the application was complicated by a 6 week deadline for completion.

The client was self-employed with an income of £300,000 and the expected rental income of the property was £315,000 per annum, or a yield of only 3.5%.


Having reviewed the client’s circumstances, it came to light that they were the beneficiary to a large family trust. Using our connections with over 40 private banks, we were able to find a bank that was willing to lend our client £4 million against the Buy to Let property, on an interest only basis. The client’s mortgage was completed within the 6 week deadline.

Case highlights

Loan amount:£4 million (44% LTV on property value of £9 million)
Rate:2% over overnight LIBOR (currently 0.48%), current pay rate 2.48%
APR:Overall cost for comparison 2.7% APR representative variable
Term:5 years
Type:Interest Only
Loan Purpose:Buy to Let purchase
Lender’s arrangement fee:0.5% of loan amount
Early repayment charges:None


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 The rate quoted may become out of date at short notice and may not be available at the point at which customers enquire about it.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 2.7% APR representative variable based on 5 years at 2.48%, lender’s arrangement fees of 0.5% x £4 million (£20,000), legal and valuation fees of £3000. The actual rate available will depend on your circumstances. Ask for a personalised illustration.

A typical fee of 1.17% of the mortgage amount is payable. Of this, 20% is payable on application and the balance of 80% on completion. For example on a mortgage application of £100,000 the fee would be £1,170 in total. Of this, £234 (20%) would be payable on application and the balance of £936 (80%) on completion. The total fee is non-refundable.

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