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Large Mortgage for Couple with Complex Income Structure

29th October 2021
Head of Insurance

Victoria Barton

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Large Mortgage for Couple with Complex Income Structure
Victoria Barton
Head of Insurance

Victoria Barton

Key facts: 

  • Property type: Victorian detached house, Clapham
  • Property value: £3,700,000
  • Loan amount: £2,501,200
  • LTV: 67.6%
  • Rate: 2.24% 2 year fixed
  • Over how many years: 10 years

We were recently approached by a client looking for a larger family home. The property in question was a Victorian detached house in Clapham worth £3.7M. The client wanted to borrow as much as possible while still accessing a competitive rate.

Since the client worked in private equity, their income structure was complex, which added a level of difficulty in this case. Despite that, Enness can help you present your case in the best possible light to lenders - every detail will count towards your case. Lenders can take things like an upcoming bonus, portfolio income and rental income into consideration, as well as your salary. In this instance, we were able to use the client's carry to support the lending required.

With that in mind, we were able to find a lender who specialise in working with clients from this type of background. The rate offered was 2.24% 2-year fixed over 10 years, resulting in a satisfied client.

At Enness, we are fully committed to finding the best deal for our clients, whatever their circumstances. Our advisers are firm believers of the importance of taking the time to understand our clients’ unique requirements, and pairing them with the best lender for their situation. If you would like to discuss high LTV or complex mortgages in more detail, calculate theoretical scenarios or obtain rates for real-time situations, get in touch.

Information contained in our case studies is for market and illustrative purposes only. In some cases, these may be made up of multiple cases and are for illustrative purposes only.

Some case studies are made up of enquiries that have come into the business, not all business completes, and the posting of a case study does not represent a completed piece of business.