A tailored solution for a self employed entrepreneur

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Wednesday September 7, 2011

We understand the challenges of arranging large loans for self-employed entrepreneurs and have the private banking contacts to provide a tailored solution for such clients.

To discuss this or any other large mortgage case, please contact us.

Case profile

Our client, a self employed director of a communications agency, needed to arrange a mortgage of £1.25 million to purchase a property valued at £2 million. The high street bank he was dealing with delayed its decision on the application and then, after a few weeks, declined it on the grounds that his accounts had shown a reduction in profits, compared to the previous period. This created considerable stress and anxiety for the client as he was under pressure to exchange on the property within two weeks.

The solution

The client contacted largemortgageloans.com after a recommendation from one of his colleagues. We met with him immediately and arranged a meeting with a private bank, who understood his business and that the dip in profits was due to investment in the recruitment of senior staff to help expand the company. The private bank was willing to lend at a competitive rate and instructed a valuation the following day. The client was extremely happy with the fast response and, as a result, was able to exchange contracts in time to secure the property.

Deal highlights

Loan amount:£1.25million (62% LTV on £2million)
Rate:Bank of England Bank Rate plus 2.72%¹ variable rate (3.22% pay rate)
APR:3.6%² (the overall cost for comparison)
Term:5 years
Type:Interest Only
Loan purpose:Purchase of main residence
Arrangement fee:0.5% of loan amount
Early repayment charges:None

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Your home may be repossessed if you do not keep up repayments on your mortgage


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.

¹Please 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 The rate quoted may become out of date at short notice and may not be available at the point at which customers enquire about it.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.

²APR (the overall cost for comparison) calculation based on arrangement fees of 0.5% x £1.25 million (£6,250) and legal and valuation fees of £5,000. The actual rate available will depend on your circumstances. Ask for a personalised illustration.

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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.

Largemortgageloans.com Ltd Registered in England and Wales No: 5070990 Registered Address: As above. The guidance and advice contained within the website are subject to the UK regulatory regime and is primarily targeted at UK customers. Calls may be recorded for training and monitoring.

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