Is your complex income structure affecting your lending capability?

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

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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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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.  

largemortgageloans.com is a trading name of Largemortgageloans.com 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: www.fca.org.uk.  The FCA does not regulate tax advice or some aspects of commercial, buy to let, overseas mortgages, bridging finance, finance and asset lending.  

Largemortgageloans.com Limited is registered with the Guernsey Financial Services Commission, reference number: 2269418, as a Non-Regulated Financial Services Business.  

Largemortgageloans.com 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.