Featured Snippet: Articus Finance secured an 85% LTV High Net Worth Mortgage for a British entrepreneur with strong business performance but limited deposit. By leveraging our private bank relationships, we structured a bespoke funding solution that recognised entrepreneurial income structures and reduced risk over time.
Introduction
Securing a High Net Worth Mortgage can be challenging for entrepreneurs who reinvest their earnings and rely on complex income structures. In this case study, Articus Finance details how we successfully negotiated an 85% loan-to-value mortgage for a British national with a thriving business but relatively limited liquidity.
Client Background
Our client was a British national and resident with a well-established entrepreneurial track record. He founded and expanded a successful chain of restaurants over the past decade. With a new child on the way, he sought a larger home and identified a prime semi-detached property valued at £4 million. However, his available deposit was modest, owing to his consistent reinvestment of business profits and his decision to avoid withdrawing further capital from the company.
While his personal income was irregular, the strength of his business accounts presented a compelling case. Demonstrating consistent growth, his business performance became central to building a profile that would allow lenders to consider a high loan-to-value product.
The Challenge
The primary challenge was securing a substantial loan amount of £3.4 million at an 85% LTV despite the client’s irregular personal income. Conventional high street banks would view limited deposit capital and self-employed income streams unfavourably. Many lenders demand additional assets under management (AUM) or extensive liquidity before approving high-value mortgages, thereby creating an obstacle for entrepreneurs who prioritise company reinvestment over drawing high salaries.
Our Solution
Articus Finance positioned the client profile strategically to appeal to our network of private lenders. We highlighted the resilient restaurant group, consistent reinvestment strategy, and growing profitability as evidence of long-term repayment capacity. By collaborating with a private bank mortgage provider accustomed to working with entrepreneurs, we were able to present a package tailored to the client’s financial reality.
The client required a self-employed mortgage. Through our established relationships with niche private banks, we successfully negotiated terms that allowed an 85% LTV mortgage at completion, with a step-down to 75% within five years. This reduced long-term risk for the lender, while meeting the client’s need for maximum leverage initially.
Unlike many lenders, the selected private bank did not require Assets Under Management, allowing the client to proceed without moving additional funds. This bespoke structuring ensured financial stability, flexibility, and peace of mind in securing the desired home.
Key Highlights
- Property value: £4 million semi-detached house
- Mortgage loan: £3.4 million
- Loan-to-Value: 85% with step-down to 75% in five years
- No Assets Under Management requirement
- Tailored mortgage negotiated for self-employed profile
Why Articus Finance Delivered
High-value mortgages for entrepreneurs require more than simple affordability calculations. At Articus Finance, our strength lies in structuring complex cases, supported by relationships with leading private banks. Our ability to negotiate terms beyond standard criteria enabled us to deliver a solution where conventional lenders would not. As a trusted partner for high-net-worth individuals, we provide bespoke access to High Net Worth Mortgages that reflect entrepreneurial realities.
Explore Related Insights
- High Loan to Value Mortgages
- Purchase Mortgages
- Remortgage Solutions
- Self-Employed Mortgages
- Private Bank Mortgages
- Foreign National Mortgages
- Interest Only Mortgages
- Financial Conduct Authority (FCA)
Final Thoughts
This case demonstrates how Articus Finance delivers tailored solutions in securing a High Net Worth Mortgage for entrepreneurs with limited deposits but strong business performance. By leveraging our expertise and private bank partnerships, we help clients achieve property ambitions that conventional lenders might otherwise deny.
