Featured Snippet: Articus Finance secured a rare 95% LTV interest-only mortgage London property worth £3M, delivering speed and flexibility for a high-net-worth client. Through private bank relationships, we structured a bespoke solution unavailable via mainstream lenders, proving our expertise in complex finance.
Introduction
A 95% LTV interest-only mortgage London property transaction is among the most difficult facilities to secure in today’s market. High-street lenders typically restrict loan-to-value levels to 80% or below, and many exclude interest-only above 60–70% LTV. Despite these limitations, Articus Finance successfully arranged a 95% LTV solution for a client acquiring a £3M Prime Central London residence. This case shows the value of private bank expertise in bridging gaps left by mainstream providers, offering outcomes tailored to high-net-worth requirements.
Client Background
The client, a UK national with substantial asset wealth, had most liquidity tied up in investments and real estate. They identified a £3,000,000 property in one of London’s most prestigious postcodes as their ideal family home. Because their current residence had not sold, liquid capital was constrained. The need was urgent: secure finance quickly without depleting other portfolio assets. Conventional lenders capped LTV at 80%, forcing the client to seek niche channels. The key objectives included:
- Minimising the upfront deposit to retain capital flexibility
- Maintaining affordability until the existing property sold
- Securing rapid approval in a competitive bidding environment
The Challenge – Securing a 95% LTV Interest-Only Mortgage London Property
Arranging a 95% LTV interest-only mortgage London property posed multiple hurdles:
- Lender Appetite: High LTVs at multi-million values stretch risk appetite.
- Interest-Only Structure: At 95% LTV, few lenders will accept non-repayment models.
- Liquidity Timing: Funds were temporarily tied to the unsold residence, requiring a short-term bridge to liquidity.
- Urgency: Competitive offers on the property required rapid underwriting and approval.
Most retail and even some private lenders dismissed the request outright. Meeting the client’s goals meant presenting a holistic balance sheet and aligning imminent liquidity events — the sale of the existing residence — to match lender risk appetite.
Our Solution – 95% LTV Interest-Only Mortgage London Property
Articus Finance leveraged its specialist private bank relationships. We structured and negotiated a two-year fixed, 95% LTV interest-only mortgage London property facility. Key features included:
- Minimal upfront cash deposit required
- Monthly repayment kept low via interest-only structure
- Two-year term aligned with liquidity release from sale of existing residence
- Exclusive access through private bank networks not open to direct applicants
Our team prepared the financial case by highlighting substantial investment assets, reliable cash flow, and the pending sale that would generate liquidity. This bespoke facility allowed the client to acquire the £3M London home on time, retaining control of broader portfolio assets without forced liquidation.
Key Highlights
- Property Value: £3,000,000 prime central London residence
- Loan-to-Value: 95% via exclusive private bank
- Structure: Two-year, interest-only mortgage
- Capital Requirement: Minimal deposit thanks to high LTV facility
- Outcome: Successful purchase in a competitive market with preserved liquidity
Why Articus Finance Delivered
Articus Finance are specialists in high-value and complex finance scenarios. Our strengths include:
- Direct relationships with private banks offering bespoke structures
- Extensive expertise with high net worth mortgages
- Deep experience structuring interest-only mortgages
- Capability to align liquidity timelines with lender underwriting appetite
- Executing swift, discretion-led negotiations in pressured deal environments
This transaction illustrates why Articus Finance is trusted to secure a 95% LTV interest-only mortgage London property when other lenders decline. Our ability to craft compelling transactions for UHNWIs ensures opportunities are not lost to inflexible criteria.
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Final Thoughts
By arranging a bespoke 95% LTV interest-only mortgage London property at £3M value, Articus Finance enabled a high-net-worth client to secure their family home with minimal upfront deposit. This solution demonstrated our ability to deliver rare, high-LTV, interest-only finance structures under pressure. When mainstream banks impose rigid restrictions, Articus Finance applies specialist knowledge, trusted lender access, and precision negotiation to deliver results.