Raising capital against the remortgage of a Buy to Let property

What is Lombard Lending?

At largemortgageloans.com we help people overcome a variety of challenges to secure their ideal property. Often this relates to the client’s individual situation, but in many cases the property itself also proves a challenge to finance. If you have a unique situation you’d like to talk to us about, speak to one of our expert advisers on 020 7519 4984 or email us.

Case profile

Associate Director Tom Foster was approached by clients who were looking to raise over £2million in capital against the remortgage of their buy to let (BTL) property.

The complexities with this case came from the BTL property which earned over £100,000 per annum, as many lenders may consider this as a commercial tenancy. Immediately, this reduces the number of BTL lenders who would consider reviewing a remortgage for this type of property.

In addition, the clients did not have the earned income proportion to what they wanted to borrow. However, their illiquid assets were valued at over £5million and this was taken in to account, in the background.

Finally, the couple comprised of one UK domiciled resident and one non-domiciled resident. As such, this resulted in a lack of ‘footprints’ or tax status in the UK.


Despite their proportionately low income, Tom was able to approach a lender who considered high net worth exemption and could view some of the clients assets as a form of income. Applying this common sense approach resulted in the clients securing their desired mortgage amount of over £2million.

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

You may have to pay an early repayment charge to your existing lender if you remortgage.

The FCA does not regulate some aspects of buy to let mortgages and asset finance. 

Property prices can fluctuate down as well as up. You should ensure that you have alternative arrangements should your property value fall below the borrowing amount outstanding.

This information does not constitute financial, legal or accounting advice. Investors should seek their own independent advice before proceeding.

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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 Ltd is a licensed credit broker, and not a lender.

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.