Mortgage Reserve Account

UK Mortgages

Product Details

  • Loan Size: Minimum £1,000,000
  • Arrangement Fee: 1%
  • Interest only


  • 60% LTV – 2.99% + BOE 
  • 70% LTV – 3.29% + BOE
  • 75% LTV – 3.49% + BOE

If you are a high-net-worth individual, you are likely looking for flexibility and speed when it comes to borrowing. You may also want to access capital quickly without undertaking a lengthy application process with a lender.

Mortgage Reserve Accounts give borrowers the ability to release equity from their home either drawing down capital in a lump sum or in increments whenever needed. Repayments are also flexible in terms of when borrowers pay back the outstanding balance. It gives HNWI the flexibility they may need to seize new opportunities.

A Mortgage Reserve Account is slightly different from a “conventional” equity release loan. Equity release lending usually sees you receive a lump sum from your lender, which is helpful if you need to finance a specific goal like renovating or enlarging your home.  

The Mortgage Reserve Account is slightly different in that you borrow against the equity in your home. You could still access the available funds as a lump sum if you wanted to, but you are free to do so whenever suits you and you can either take all or some of the available amount.