Private Bank Mortgage for UK Entrepreneur
Securing a private bank mortgage for UK entrepreneur often requires bespoke structuring and access to lenders capable of appreciating entrepreneurial profiles. Articus Finance delivered a 90% loan-to-value mortgage on a £3 million home purchase, without requiring Assets Under Management (AUM), enabling the client to upsize despite a limited cash deposit.
Introduction
A private bank mortgage for UK entrepreneur highlights the crucial difference between mainstream mortgage assessment and private banking flexibility. Entrepreneurs typically reinvest profits into their businesses, creating strong company accounts but sporadic personal income. This dynamic often disqualifies them from high street lenders. Articus Finance worked with a private bank that recognised the client’s long-term financial story and offered a highly competitive mortgage, demonstrating how tailored advisory unlocks opportunities.
Client Background
The client was a UK national resident, the founder of a successful technology business launched five years prior. Having rapidly grown the company, their personal income remained irregular, as profits were reinvested into expansion. At the same time, the client sought to upsize their family residence into a prime London property valued at £3 million.
- Nationality/Residency: UK national and resident
- Occupation: Entrepreneur, tech company founder
- Property Value: £3,000,000
- Loan Requirement: £2,700,000 mortgage
- LTV: 90%
- Status: Limited deposit, strong company accounts
The challenge came in aligning modest personal drawings with the affordability criteria required by mortgage lenders, while still achieving a high loan-to-value structure critical to the client’s purchase.
The Challenge
The client required a private bank mortgage for UK entrepreneur at an unusually high 90% LTV. Mainstream banks struggled with two issues: low visible personal income against a multi-million pound transaction, and the limited deposit available. For traditional underwriters, this profile appeared high risk—despite robust business financials and a proven record of success.
Further complicating the case, most private banks require collateral or Assets Under Management (AUM) in return for extending high LTV borrowing. For entrepreneurs, relinquishing such capital often restricts liquidity better deployed in business growth. In short, finding a lender willing to offer 90% borrowing without AUM was essential but difficult.
Our Solution
Articus Finance drew from specialist private banking relationships to frame the client as a strong profile despite irregular income. We prepared a detailed case that highlighted:
- Business Success: Demonstrating strong company accounts and future trajectory, illustrating projected long-term stability.
- Deposit Strategy: Presenting how reinvestment left only limited cash deposits, but not as a sign of weakness—rather, as a reflection of entrepreneurial growth requirements.
- Bespoke Lender Fit: Introducing a private bank with appetite for entrepreneur mortgages at higher risk thresholds, able to provide tailored evaluation.
From here, the bespoke solution took shape:
- 90% Loan-to-Value Approval: A significant achievement, well above standard accessible levels for entrepreneurs.
- No AUM Requirement: Unlike many private bank deals, our client retained full control of liquidity without placing additional assets under management.
- Preferential Rate: Negotiated rates below 3.5%, exceptionally competitive given the profile and request.
- Five-Year Structure: Loan programmed to reduce from 90% to 75% LTV across five years, aligning with both repayment capacity and risk reduction.
The transaction demonstrated how strategic preparation, careful narrative presentation, and private banking relationships made the impossible achievable.
Key Highlights
- Client: UK national, tech entrepreneur
- Property Value: £3 million London residence
- Loan Structure: £2.7 million mortgage
- LTV: 90%
- Complexity: Irregular personal income, limited deposit
- Solution: Private bank tailored approval
- Special Terms: No AUM requirement, rate under 3.5%
Why Articus Finance Delivered
At Articus Finance, securing a private bank mortgage for UK entrepreneur is more than structuring lending—it is advocacy. Entrepreneurs are often overlooked by high street lenders due to conventional affordability models. By engaging decision-makers at leading private banks, we highlight the reality of entrepreneurial income: irregular, but ultimately sustainable and often growing.
Our credibility with lenders means we can negotiate bespoke terms, such as the removal of AUM requirements in this case. For entrepreneurs and business owners, retaining liquidity is as critical as securing property. Articus Finance understands this tension and works discreetly to balance both priorities.
Whether dealing with Self-Employed Mortgages, Private Bank Mortgages, or High Net Worth Lending, our relationships provide clearly structured pathways to approvals for complex profiles where others hesitate.
Explore Related Insights
- Private Bank Mortgage Solutions
- High Net Worth Lending
- Mortgages for Entrepreneurs
- Mortgages for Foreign Nationals
- Expat Mortgage Structuring
- Interest-Only Lending Options
- Additional Case Studies
- Mortgage Insight Guides
- FCA Mortgage Rules
Final Thoughts
This case illustrates the value of an expertly arranged private bank mortgage for UK entrepreneur. Articus Finance secured a 90% LTV facility without asset pledges, proving that entrepreneurs can access prime property funding on competitive terms when represented by a trusted advisory partner with deep lender access.
