Using Investment Portfolio to Secure Large Mortgage


Chris Lloyd

Complex Income Structure Mortgage
Chris Lloyd

Chris Lloyd

Key Facts: 

  • Property Type: Residential property, London
  • Property Value: £4,250,000
  • Loan Amount: £3,187,500
  • LTV: 75%
  • Rate: 1.79%, fixed 5 year term 

Here at Enness, we work with entrepreneurs, self-employed individuals, contractors and all other income types daily. We understand this market and know what it takes to achieve the best possible solution for complex mortgage applications. 

In this case, we were approached by a client with no employment income who wanted to purchase a prime property in central London. The client did, however, receive a pay-out from a divorce settlement of £12m and wanted to take out a mortgage to retain liquidity with their bank. The client was confident they could earn enough from investing the money to cover the monthly mortgage interest. 

Most high street banks would struggle with this as the client had no regular income and the portfolio could dip in value, which meant that the monthly mortgage payments would not be met. Here at Enness, we can use pre-paid and rolled up interest methods, interest deposits, short trading history, one year's accounts or one year's tax returns and even very high loan to value mortgages for complex income types. 

In this case, we approached a private bank and were able to raise a 75% loan-to-value (LTV) at a competitive interest rate of 1.79%, fixed for 5 years. With the client deemed as HNW, the private bank were also happy to monetise the portfolio and use it as income. 

At Enness, no problem is too big when it comes to mortgages. Whether your mortgage application is complex or simple, we are fully committed to finding the best deal for our clients, whatever their circumstances. 

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