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Mortgage on a country estate case study

Securing lending against country estates and properties with large areas of land can be difficult, if you don’t work with a specialist mortgage adviser. Properties with separate cottages, outbuildings, stables or animal grazing rights can prove problematic for some lenders and may require a commercial mortgage. However, there are solutions on the market, if you work with an adviser who knows where to find them.

 Case profile

Our clients owned a substantial country home with a number of adjoining land parcels under separate title. They were all being used as security for multiple loans with different lenders and the clients wished to refinance them all with one lender. They also wanted to raise capital to gift some funds to their child to make their first property purchase. They would use any remaining capital to repay some outstanding unsecured debt.

Due to the complexity of the current lending arrangement and the type of asset, the client needed our specialist team on board to find a solution to their requirements.

Solution

Our Specialist Adviser a private bank which has a particular strength with this property type. They were happy to take all available titles as security for one single loan and, at the same time, release the capital required to both repay the unsecured debt and provide the funds for the client’s child to successfully purchase their first property.

 

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.

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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.  

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