Capital Raising £1.36m Refinance for Entrepreneur

Monday July 30, 2018

Do you need help refinancing an existing mortgage with some complicated terms? 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

We were recently approached by a serial entrepreneur with a proven track record of building successful businesses and selling them at a profit. The client needed to refinance an existing £1m mortgage outstanding on his primary residence – which he believed was worth at least £4m. He also wished to raise an additional £80,000 to go towards home improvements. The client’s existing lender was unable to offer attractive terms to retain the client, while other lenders were not satisfied that the client’s latest business venture was paying him a sufficient income to support a £1m+ loan.

The client also informed us that he wished to stay in the property for just another 3 years while his child completed their time at the local school, where he would then sell the property and downsize.


While clearly not a case for high street lenders, we do not like to admit defeat to our clients and so called upon our vast network of industry contacts and our own expertise to find a truly accommodating solution for the client.

While a bridge loan initially looked to be the only option, no lender is able to offer a bridging loan term longer than 12 months on a regulated basis, which this would have been as the subject property was the client’s main residence.

However, by presenting the opportunity to a private bank able to look at the client’s full profile, we were able to structure an interest-only loan of £1.36m – inclusive of the lender’s 1% arrangement fee as well as 3 years rolled up interest, which was to be deposited in a mortgage-linked account to meet the mortgage payments.

This allowed the client to not only refinance away from his existing lender, but to also raise the extra capital required for home improvements. By rolling up his interest payments, the client does not have to make payments on a monthly basis and instead will be able to clear the entire loan when he sells the property in 3 years as planned.

Deal Highlights

Loan amount:£1,360,000
Rate:3.99% - Variable rate set at 2.89% + 1.10% loading
Loan to Value:34%
APR:4.30% APRC representative variable
Term:3 years
Type:Interest-only (with property sales as repayment vehicle)
Loan purpose:Residential remortgage with capital raising for home improvements
Lender’s arrangement fee:1% of loan amount
Early repayment charges:2% in first 2 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 4.30%APR representative variable based on 3 years payments at a rate of 3.99% and lender’s arrangement fees of £13,600. The actual rate available will depend on your circumstances. Ask for a personalised illustration.

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.

To make an enquiry call us on 020 7519 4984 or visit our website.

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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. 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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