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Our Case Studies » Is your complex income structure affecting your lending capability?

Is your complex income structure affecting your lending capability?

Is your complex income structure affecting your lending capability? Talk to us…

Profile

Helping people with complex earnings secure funding forms a key part of our business and is one of the reasons we were established 17 years ago.

Many of the clients we work with come to largemortgageloans.com because, although they have a high net worth, their income structures are complex, and it can be difficult for lenders to see the value in their portfolio. Much of our work, therefore, is in demystifying and drawing out the details from clients and then presenting their case clearly and concisely to the lenders who we know are willing to take a holistic view of a client’s true financial situation.

 Our latest success story is a classic example of this, with our clients owning 14% of a business turning over almost £100m per year. Despite the huge success of the company, our clients drew a relatively modest salary in comparison, with the rest of their income being paid into a trust.

Solution

On the face of the figures, most lenders would not accept our clients’ application to refinance £3.15m against their £4.2m home. However, once the ownership structure was explained to the right lender and the value of the trust was understood, our client soon had their application accepted and they received their funding package.

If you would like to find out more about the myriad of funding packages we can access, don’t hesitate to get in touch with our expert team of advisers.

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

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