Whilst lending rates remain historically low, many High-Net-Worth Individuals (HNWI) will opt for a high loan to value mortgage solution so that capital is not tied in non essential luxury assets or secondary residences.

HIGH LOAN TO VALUE SOLUTIONS

The lending bank will firstly consider the asset with their banking policies and internal lending criteria’s – our mortgage advisors knowledge of lenders mean that we already have an excellent understanding of their mortgage products so we can save time and money.

For many lenders, mostly private banks, the mortgage criteria can be flexible based upon the new banking relationship with an HNW individual. As the clients dedicated broker, we can negotiate flexible lending solutions with our trusted partners – our experience has allowed us to consistently deliver results and provide pragmatic solutions when needed.

HOW WE DO IT

We have an unrivalled global network of retail, challenger and private banks for high-value mortgage requests.

If you are purchasing or refinancing a luxury asset, the process can be stressful if you’re unfamiliar with the lending landscape – our advisors provide client-orientated solutions and honest mortgage guidance. We can put you in touch with exceptional banking partners across prime global locations.

KEY CONSIDERATIONS

• Location of asset
• Main residence or secondary residence
• Repayment method – interest only, capital and interest or blended solution
• Valuation of asset – often overlooked but very important for the lender
• Private banking relationship – presentation of file to lending institutions

If you are looking to borrow more than EUR 1,000,000, our dedicated team in large mortgage loans are here to help.