Bespoke private bank residential remortgage for client with complex requirements

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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. is a trading name of 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.

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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. is a trading name of 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: The FCA does not regulate tax advice or some aspects of commercial, buy to let, overseas mortgages, bridging finance, finance and asset lending. Ltd is a licensed credit broker, and not a lender. Limited is registered with the Guernsey Financial Services Commission, reference number: 2269418, as a Non-Regulated Financial Services Business. 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.