Our Case Studies
Our Case Studies Bespoke private bank residential remortgage for client with complex requirements

Bespoke private bank residential remortgage for client with complex requirements

Need a large remortgage but have complex requirements? 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 was looking to remortgage her principal residence, for just under £700,000, at a lower interest rate than she was currently on. She required a lender who would accept her application, despite a complication on the title deed. This created a challenge, as the clause in the title deed would be an issue for most high street lenders.

The client had an existing mortgage on her main residence with a private bank, which was being taken over by another institution. The client wished to review the mortgage to reduce her monthly mortgage repayments.

The property had an existing clause in the title deed that requires the client to vacate the property for a certain number of weeks, each year. As a result of the insurance implications, many lenders would not be happy to take a view on such circumstances. This created a challenge in sourcing the funding, as the pool of lenders able to provide the remortgage would be limited.


We have wide ranging experience in assisting clients with complex circumstances and relationships with over 80 lenders. Together, this enabled us to arrange a bespoke private bank mortgage solution for the client.

We took the time to fully understand the client’s mortgage requirements and presented her case to an appropriate lender. The lender accepted the clause in the title deed and offered an interest rate which reduced the client’s monthly mortgage repayments. Additionally, the client was allowed to consolidate existing debt into the mortgage. This suited her perfectly.

The client was happy with the mortgage terms presented and was able to secure the funding to remortgage her home.

Deal Highlights

Loan amount:£681,400
Rate:2.25%, Discounted Variable for five years
APR:Overall cost for comparison 4.8% APR representative variable
Term:13 years
Loan purpose:Remortgage
Lender’s arrangement fee:£3,407
Early repayment charges:3% of the loan amount for five years


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 4.8%APR representative variable based on 13 years at 2.25%. Lender’s arrangement fee of £3,407. 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. You may have to pay an early repayment charge to your existing lender if you re-mortgage.

Return to Our Case Studies

This Month’s Top Fixed Rate

Fixed rate
Initial rate: 1.35%

Period: 2 years

Rate will revert to a variable rate, currently 4.99% thereafter
The overall cost for comparison is 4.46%

Get This Rate

This Month’s Top Variable Rate

Variable rate
Initial rate: 0.97%

Period: 2 years

Rate will revert to a variable rate, currently 4.99% thereafter
The overall cost for comparison is 4.37%

Get This Rate

Some of this month's top interest rates are listed above; the actual rate will depend on your circumstances. Please note that this information does not contain all the details you need to choose a mortgage, ask one of our advisers for a personalised key facts illustration on 020 7519 4900. The rate displayed may become out of date at short notice.

Latest Articles/News

Case Studies

Successful negotiation of a bespoke, multi-million pound lending solution A…

Latest/Related News

It’s been an incredibly busy week, with the action beginning on Monday wi…

Press Release

States proposal to waive document duty on bonds hailed as a victory for mor…

Press Coverage

Could a retirement mortgage help you stay in YOUR home?…

LML Brochure

Download our brochure to find out more about Largemortgageloans.com and what we can offer

Click to Download

Sign Up

Subscribe now, to hear from us on the latest mortgage market news, products and services.

Client Testimonials


Live chat with
our team now