| Property | Five-bedroom detached house |
|---|---|
| Location | Hampstead, London |
| Client | Law firm equity partner |
| Product | High-value mortgages |
The challenge
The client's profit share varied sharply year to year, and some lenders would only use the lower year. That left affordability well short of the loan needed.
What we did
We approached lenders that underwrite high-value cases manually and can consider average or latest-year earnings. We provided partnership accounts, tax returns and a letter from the firm's finance team. The case was presented with income trends and liquid assets to support it.
The outcome
An offer was issued at 71% loan to value, using a blended view of the client's earnings.
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.