Successful negotiation of a bespoke, multi-million pound lending solution

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Case profile

Our client is a self-employed property developer and Director of three companies. The client was looking to remortgage two of their high value buy to let properties and wanted to use the funds in two ways. Firstly to repay the existing lender and secondly to raise capital to further invest in their property development business.

A number of lenders were approached to lend the funds at 70%+ LTV. However, the majority felt that that the properties were valued too highly for the area. Complication was added as the buy to let properties were held in a Special Purpose Vehicle (SPV) structure, which is a parent company used to isolate assets to provide additional security in the event of bankruptcy.


The specialist adviser team at approached a private bank with whom the client already had a relationship. We leveraged this relationship and negotiated a bespoke solution, tailored to the client’s needs, which also provided the necessary security for the finance house. With the funding secured, our client is able to continue to fuel the growth of his property development company.

Deal Highlights

Loan amount:£3,485,000
Rate:3.29% 5 year fixed rate
Term:5 years
Type:Interest only
Loan purpose:Remortgage of 2 properties / Capital raise
Lender’s arrangement fee:1% of loan amount
Early repayment charge:10% of the outstanding loan amount repaid early, for 5 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 The rate quoted may become out of date at short notice and may not be available at the point at which customers enquire about it.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. 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. Limited is registered with the Guernsey Financial Services Commission, reference number: 2269418, as a Non-Regulated Financial Services Business. 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.