High LTV Mortgage for a High-Net-Worth Client


Toby Johncox

Luxury UK Home
Toby Johncox

Toby Johncox

  • Net-Worth: Above £10m
  • Mortgage: Circa £4m 

This case involved a client with a significant net worth tied to private businesses who was seeking to purchase a new family home in the UK. This unique financial situation necessitated a high loan-to-value ratio to facilitate the purchase, posing a challenge we successfully overcame.

The client had a high-earning position, and we needed a lender who would be comfortable with this being the sole source of income for all their existing expenditure and being able to cover their new purchase and any additional costs that may become applicable. The client's liquidity was held in private businesses, so finding a lender willing to consider the application at a high LTV was challenging.

Enness swiftly and efficiently negotiated a residential mortgage, leveraging the client's high income and asset base to secure a lender comfortable with a high LTV, demonstrating our ability to act quickly and effectively on behalf of our clients. We arranged a mortgage that would track the Bank of England Base Rate so the client could immediately take advantage of any base rate reductions and meet the client's other product-specific requirements for their needs and circumstances.

Enness has access to over 500 Lenders and can present the best possible terms to our clients. We have an excellent relationship with this lender and were, therefore, able to offer an exceptional outcome. We specialise in dealing with ultra-high-net-worth individuals and can quickly understand the client profile and requirements.

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