Are you looking for a mortgage on a country estate? Perhaps we can help

Image of country estate mortgages.
Monday November 8, 2021


Like many Londoners during the pandemic, we were approached by a client who wanted to leave London and move to the countryside with his family. Properties in the country can be more complex to mortgage if they have large acreage or, in this case, additional outbuildings on the same title. However, there are solutions on the market, if you work with an adviser who knows where to find them.

Case profile

Our client found a £1.6m country estate he wanted to buy, which included several outbuildings on the land including a grade II listed cottage with a thatched roof, an outhouse and a barn.  The cottage was in a state of disrepair, and the thatched roof had fallen through.  Most lenders will not consider lending when there are multiple buildings as they worry about the property’s resale value.

The client’s income was further complicated as he had recently set up a partnership and did not yet have a sufficient track record to prove his income in the LLP. This meant that affordability fell short with most lenders.


We found a bespoke lender who was happy to lend over £1m, up to 75% loan to value against the property. The lender was willing to consider the client’s income, meaning he could borrow the amount he needed. We arranged a mortgage that was part repayment and part interest only, which kept monthly payments low and gave the client peace of mind that he was paying down a large portion of the mortgage.

 If you need specialist mortgage advice to secure a large or complex loan, don’t hesitate to get in touch with our team of advisers, who can guide you every step of the way.

Return to Our Case Studies

Our insights

We are the UK’s leading specialist in delivering innovative and bespoke financing solutions to global clients.


Specialists in creating innovative and bespoke funding solutions.

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.
Make An Enquiry

London Office (Main):


London Office (Main):

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