| Property | Country house with land |
|---|---|
| Location | Near Burford, Oxfordshire |
| Client | Retired executive with pension and investment income |
| Product | High-value mortgages |
The challenge
The client wanted interest-only borrowing, planning to repay from investments over time. Many lenders cap interest-only lending or require a specific repayment vehicle, and the property's land was unusual for standard valuations.
What we did
We found a lender that accepts an investment portfolio as an interest-only repayment strategy. We provided portfolio statements, pension income evidence and a repayment plan. We also checked that the land and outbuildings were acceptable for valuation.
The outcome
An interest-only mortgage was approved at 61% loan to value with a documented repayment strategy.
High-value mortgagesLarge mortgages of £1m, £2m and above for prime London and high-value homes across the UK.
Learn moreImportant: Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice: up to 1% of the loan, typically £500.