Residential Remortgage

London Property bridging loans
Monday September 10, 2018

Do you need a large residential re-mortgage, but have a complex income structure? We have the banking contacts to provide a tailored solution where other lenders may not be able to help. To discuss this or any other large or complex mortgage case, please contact us on 020 7519 4984 or email us.

Case Profile has helped raise mortgages for clients from a wide array of backgrounds, with different income sources and structures. Recently, we were approached by an interesting client– a world-class and renowned professional gambler. The client turned to us for help raising a mortgage of £500,000 against an unencumbered London property worth £1m he had owned for some time, with the funds to be used for business purposes.

Having been let down by his own UK bank as well as an overseas bank with whom the client had had a relationship for over 15 years, was asked to step in and see if a solution could be found.

The case presented multiple difficulties. Most obviously, the client’s source of income would be seen as too volatile and unstable to support long-term finance. As a professional gambler, it is much harder for any lender to ascertain what a stable level of income would be and therefore calculate the client’s affordability.

Even eliminating the unstable nature of the client’s income, the next obstacle was that much of it was earned overseas on the international gambling circuit and non-taxable – and therefore not suitable for mortgage purposes.


As with all borrowers with complex income structures, it is vital to have a good mortgage broker with knowledge of the market and which mortgage lenders have an appetite for which deals. After a less than satisfying experience with his own two lenders, the client was fearful of having to go down the specialist lending route with its higher rates. was able to draw on our criteria knowledge, as well as our strong relationships with our global network of more than 200 finance providers to place the case with a regional lender whom we knew would take an individual view.

We were able to clearly provide evidence of the client’s high net-worth status, as well as his relative fame within his chosen profession. This was enough to support the view that his income would be sufficient in the long-term to support a low-loan-to-value mortgage against a great property in a sought-after London location.

Our specialist mortgage broker sourced a lender who agreed on fantastic terms that the client was over the moon with. Needless to say, when the chips were down, were there for him!

Deal highlights:

Loan amount:£500,000
Rate:3.75% - fixed 2 years
APR:5.1% APR
Term:5 years
Type:Interest Only
Loan purpose:Residential Remortgage
Lender’s arrangement fee:0.75% of the loan amount
Early repayment charges:3% of the loan amount if paid in full within 2 years



This case study is for information and illustration purposes only. It is not an offer, or suggestion of an offer. Each mortgage case is assessed on an individual basis and there is no guarantee that the solution described here can be repeated in the future.

Please note that this specific deal may not be available to – or suitable for – all customers, dependent on their individual circumstances. The rate quoted may become out of date at short notice and may not be available at the point at which customers enquire about it. This document may not contain all the information needed for customers to make a decision and they should seek advice.

Overall cost for comparison 5.1% APR representative variable based on 24 payments at a fixed rate or 3.75% followed by 360 payments at a variable rate, currently 5.49% and lender’s arrangement fees of £3,750. Because the mortgage will revert to, a variable interest rate mortgage, the actual APR could be different from this APR and the payments could increase, if the interest rate of the loan changes. The actual rate available will depend on your circumstances. Ask for a personalised illustration.

Your home or property may be repossessed if you do not keep up the repayments on your mortgage. Changes in the exchange rate may increase the sterling equivalent of your debt.

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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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