High Loan to Value Private Bank Mortgage for Self-Employed UK Resident
Featured Snippet: Discover how Articus Finance negotiated a high loan to value private bank mortgage for self-employed UK resident, structuring an 85% LTV solution with private banking expertise while overcoming income complexities linked to entrepreneurship.
Introduction
Sourcing a high loan to value private bank mortgage for self-employed UK resident clients represents one of the most complex areas of property finance. Entrepreneurs often reinvest profits into their companies, leaving limited personal deposits despite strong corporate performance. This case study examines how Articus Finance secured a bespoke 85% LTV mortgage from a private bank for a British entrepreneur with irregular income streams.
Client Background
The client was a British national and UK resident with an entrepreneurial track record as the founder of a successful restaurant chain. Following the arrival of a new child, the family wished to upsize to a semi-detached home valued at £4 million. However, years of business reinvestment had left them with relatively modest savings available for a deposit.
The client sought financing of £3.4 million, equating to 85% LTV, on terms that reflected their longer-term business trajectory. The challenge was persuading a lender to recognise the strength of business accounts and entrepreneurial profile rather than focusing only on limited declared personal income.
The Challenge
Traditional lenders often hesitate to offer high LTV mortgages to self-employed clients without large cash reserves. The obstacles in this case included:
- An 85% LTV requirement, unusually high for private borrowers without substantial AUM commitments.
- Irregular income from a business reinvesting profits rather than maximising personal withdrawals.
- The client’s reluctance to extract further capital from his company at the expense of its growth strategy.
Given these constraints, conventional retail mortgage channels would not suffice – only a private banking solution could deliver the flexibility to align with the client’s unique needs.
Our Solution
Articus Finance built a robust borrower profile, focusing on the client’s successful long-term business performance and future pipeline. Leveraging our strong lender network, we partnered with a private bank specialising in entrepreneurial lending and self-employed income structures.
- We secured an 85% LTV mortgage with no requirement for transferring Assets Under Management (AUM).
- A five-year structure was arranged, with the loan-to-value reducing progressively to 75% over the term.
- Competitive rates were negotiated through direct discussions with the private bank’s credit committee.
- The bank was satisfied with retained earnings within the client’s business, accepting their reinvestment strategy as a reflection of financial prudence.
This solution allowed the client to preserve corporate liquidity, protect future business expansion, and simultaneously achieve their family’s residential ambitions.
Key Highlights
- £4 million property successfully mortgaged at 85% LTV.
- £3.4 million loan secured without requiring AUM commitments.
- Private bank mortgage tailored for self-employed entrepreneur.
- LTV to drop from 85% to 75% within five years, providing long-term financial stability.
- Structured to align with business reinvestment strategy, avoiding disruption to corporate liquidity.
Why Articus Finance Delivered
Arranging a high loan to value private bank mortgage for self-employed UK resident clients requires more than comparing headline rates. It demands technical knowledge of self-employed structures, strong private banking relationships, and the ability to present complex profiles with clarity. Articus Finance’s expertise lies in shaping tailored lending presentations and securing solutions that mainstream lenders cannot accommodate.
Our client-centric approach allows entrepreneurs to preserve their investment strategies while achieving personal lifestyle goals, demonstrating why Articus Finance remains the trusted brokerage of choice for high net worth and self-employed individuals.
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Final Thoughts
This case highlights how securing a high loan to value private bank mortgage for self-employed UK resident clients requires expert navigation of complex income patterns. Where other brokers or high street lenders might see barriers, Articus Finance finds bespoke solutions that protect both business interests and personal aspirations.
