High loan to value
Mortgages of high loan to value
An increasingly attractive proposition for our private clients is a high loan to value (LTV) mortgage which presents the opportunity to preserve liquid funds within your wealth portfolio.
By utilising a smaller deposit, our high-net-worth individuals are borrowing a greater percentage of the property’s value as a loan, on an interest only or repayment basis. In contrast to the rigid eligibility criteria of mainstream and high street banks, private banks and alternative lenders adopt an aggregate view of your financial profile, considering your assets and wealth to assess affordability. With a healthy financial portfolio, confidence is then in place for lending.
Often our private clients will have alternative methods to repay the loan. For example, an impending asset sale or bonus income. As a result, a higher loan to value interest only loan is often seen as an appealing proposition.
To learn more about high loan to value mortgages, our LDN Private Client advisers are available to guide you through your options.
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