High Net Worth Borrower Secures £3m Interest-Only Facility Using Investment-Backed Repayment Plan
HNW client, strong liquid assets but modest declared income, needed £3m for a £5m townhouse. We placed assets under management, built an asset-based underwrite and used an investment portfolio as the repayment plan—securing a bespoke interest-only facility at 60% LTV.
Two Doctors Secure 85% LTV with Interest-Only Structure
Two doctors with young children needed a mortgage for their dream home in Oxfordshire. We used variable locum income, maternity return projections, and an interest-only element to keep payments manageable during high childcare years — securing 85% LTV on a £900k home.