Are you retired, have substantial assets but face a remortgage dilemma?

Image of victorian houses in Notting hill in London.
Monday April 3, 2023

Perhaps you’re looking to downsize and need advice?

Read on to see how we negotiated a customised £8m remortgage solution for a wealthy retired couple looking to downsize.

Case Profile

Our clients, a retired couple, found themselves facing a difficult situation when their mortgage term came to an end. Their existing lender required them to put their property on the market to sell, as they were planning to downsize. Unfortunately, due to market volatility, they struggled to attract the right buyers for their property.

Wanting to remove the property from the market, the couple planned to carry out small renovations and postpone the sale until conditions improved. However, their retirement status meant that their mortgage would equate to around 23 times their income, making it difficult for them to secure the necessary funds.


After assessing the clients’ unique circumstances, we approached a bank that considered their overall wealth, which amounted to over £20 million in land and property assets. The bank understood that the couple’s lifestyle expenses were well-covered by their substantial wealth, and their background assets would mean they’d have no problem repaying the debt.

The bank offered a customised remortgage onto an interest only, market leading fixed rate, with a term of three years.  The value of the loan needed was £8m and we were able to negotiate an LTV of 60% which helped when it came to securing a competitive rate.

The new arrangement meant that our clients could repay their existing lender and roll up the interest over the term. The couple had no mortgage payments to make during the term and they had the flexibility and breathing space to take their property off the market, carry out the necessary renovations, and then sell their property and downsize when the housing market picked up.

The profit from the sale could then be used to repay the capital on the loan at the end of the three year term.


This case study demonstrates how our team’s expertise and commitment to finding tailored solutions can help clients overcome challenging mortgage situations. By considering the clients’ overall wealth and unique circumstances, we was able to secure a mortgage solution that provided them with the financial flexibility they needed to manage their property sale and downsize at their own pace.

If you are facing a mortgage dilemma, we are here to help.  Contact us today and, together, we will find you the best solution for your unique needs.

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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. 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.
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