Secured £2.2M Mortgage for HNW Private Equity Partner Despite Limited Drawn Income

Overcoming Financial Complexity

Although the client demonstrated substantial wealth and a robust financial history, they had not drawn any immediate income from their firm. This presented an obstacle when securing a high-value mortgage within a tight timeframe. Many traditional lenders might have viewed the absence of current income as too complex to underwrite.

Because of our deep expertise in complex, high-net-worth cases, we were well positioned to help. Our approach began with a detailed assessment of the client’s financial background, examining not just their income trajectory but also the breadth and stability of their assets. This holistic perspective allowed us to present a compelling case to potential lenders.

A Tailored Lending Strategy

With our deep understanding of the client’s financial profile, we approached multiple lenders, carefully balancing their strong asset position against their temporary lack of drawn income. This nuanced approach instilled confidence in the lenders, resulting in multiple offers. Ultimately, this allowed us to secure a £2.2m mortgage on highly favourable terms without the client needing to pledge additional assets.

We were able to agree a highly competitive tracker rate for a period of 5 years over the Bank of England base, enabling the client to purchase their £3.4m family home. This outcome highlights the value of detailed financial analysis and a bespoke approach to navigating complex cases.

Clear Communication and Managing Expectations

What truly set this case apart was our ability to manage expectations on all sides. By maintaining clear, open communication all parties felt confident throughout the process. Our strategic handling of the case not only ensured a successful mortgage arrangement but also resulted in a smooth transaction that exceeded expectations for all involved. The final arrangement not only met the client’s expectations but underscored our commitment to delivering comprehensive solutions that extend beyond traditional frameworks.

Our Promise

If you have clients who are seeking lending or insurance solutions, our experienced team of specialist advisers is here to help. We facilitate tailored solutions to meet the unique needs of your clients.