The Client
Our client is a successful business owner looking to purchase a property in London and required a high net worth mortgage to complete the transaction.
They needed to secure an interest-only mortgage and had complex income that came from multiple businesses, including one operating overseas.
The Challenge
Despite being in a strong financial position, the client was unable to secure suitable terms with other lenders. This was largely due to:
- A mix of income streams
- International earnings
- Standard checks that did not capture the full picture
After multiple unsuccessful attempts, the client approached us when they were close to withdrawing from the purchase.
The Solution
Working closely with the client to understand their full financial position, business interests and long-term plans, James focused on structuring the right solution for the client by:
- Building a clear picture of the client’s overall financial profile
- Approaching specialist lenders experienced in high net worth and business owner lending
- Focusing on lenders able to take a broader view of income, assets and overall wealth
- Carefully structuring and presenting the case to reflect the full picture
The Outcome
This approach led to the successful arrangement of a £2.5 million interest-only mortgage for the London property purchase. The client was able to proceed with confidence, securing a higher loan amount than initially expected, with a rate that worked comfortably within their financial plans.
The result was a smooth completion and a client able to move forward with a purchase they had previously considered stepping away from.
“High net worth clients often have income structures that don’t fit neatly into the boxes used by high street lenders. Business income, overseas earnings and multiple revenue streams can make cases appear complicated when assessed through standard lending models.
By working with specialist lenders who look at the full financial picture rather than just a single income source, we were able to structure a solution that worked for the client and allowed them to proceed with their London purchase.” James Adkin, Associate Director
Why Choose Capital B Property Finance?
We regularly assist clients whose income structures are more complex than those typically accepted by high street lenders.
This case is a good example of how specialist mortgage advice can unlock opportunities that might otherwise be missed. We’re always happy to have a conversation.
When the structure is right, even the complex can feel more straightforward.
