High loan to value
Mortgages of high loan to value
An increasingly attractive proposition for our private clients is a high loan to value (LTV) mortgage which presents the opportunity to preserve liquid funds within your wealth portfolio.
By utilising a smaller deposit, our high-net-worth individuals are borrowing a greater percentage of the property’s value as a loan, on an interest only or repayment basis. In contrast to the rigid eligibility criteria of mainstream and high street banks, private banks and alternative lenders adopt an aggregate view of your financial profile, considering your assets and wealth to assess affordability. With a healthy financial portfolio, confidence is then in place for lending.
Often our private clients will have alternative methods to repay the loan. For example, an impending asset sale or bonus income. As a result, a higher loan to value interest only loan is often seen as an appealing proposition.
To learn more about high loan to value mortgages, our LDN Private Client advisers are available to guide you through your options.
Your experience
Drew is the best mortgage adviser I have dealt with. What sets him apart from the others is his ability to understand his clients profile very quickly and make suitable recommendations rather than generic possibilities.
Our clients
Private client case studies
Our client bank is vast. From private equity clients to entrepreneurs, business owners to family offices, trustees to ultra-high-net-worth foreign nationals, here we demonstrate examples of our coveted service.