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High Loan to Value Mortgages

Are you looking for a high loan to value mortgage? In the current climate where cash is king and many are looking to preserve their personal liquidity, the prospect of securing a large loan with a low deposit can be very attractive for high net worth individuals.

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High Loan to Value Mortgages

We source high loan to value UK property finance over £1 million for clients
across the globe.

With access to a huge number of mainstream, private, and specialist lenders, our team is perfectly positioned to secure you the very best bespoke solution for your needs, whether you’re purchasing a multi-million home in Belgravia, remortgaging an existing asset to release equity, or looking to expand your high-value buy to let portfolio.

Our strong relationships with both our valued clients and trusted lenders mean we are expert problem solvers who can think creatively about your case and get the deal over the line. We regularly secure complex, high LTV mortgages for expatsforeign nationals, and self-employed individuals and are proficient in navigating complex scenarios.

To discuss your circumstances in more detail, get in contact with our expert private client team today.

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our values

How we work

01

Service

Service excellence is at the heart of our business. We are renowned for our highly personal and bespoke approach to securing property finance for our clients, ensuring you feel in control and confident throughout your investment journey.

02

Expertise

We thrive in complex, challenging scenarios and work creatively in our negotiations with our trusted network of mainstream, private and specialist lenders to ensure we always secure the best possible outcome for your circumstances.

03

Relationships

We mean it when we say we see you as a valued partner. Our relationship with you is important to us and our team will continue to serve as your personal property adviser long after your first deal with us is completed and over the line.

What is a high loan to value mortgage?

High loan to value mortgages typically refers to property finance where the loan is around 80% of the value or above. For example, if you wanted to buy a property worth £1 million with a deposit of £200,000 or less, this will be considered as a high loan to value (LTV) borrowing.

For context, the majority of UK high street lenders typically offer large loans of up to £1 million, where the LTV is generally between 60-75% of the property value. For loans much larger than this, and especially if you’re looking for a high LTV of 80% or above, you may need to secure a deal with a specialist lender or private bank that is adept at handling this area of property finance.

Unlike the rigid eligibility criteria of mainstream banks, specialist lenders are able to take a much more holistic view of your finances, assets, and wealth to assess your affordability.

Working with a specialist high net worth mortgage broker such as LDNfinance is imperative to ensure you have access to private lenders that can cater to your individual circumstances and secure you high LTV borrowing at a competitive rate.

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What to consider when securing a high loan to value mortgage

It is important to note that lenders use the LTV ratio to quantify the level of risk associated with lending. Therefore, the higher the LTV, the greater the risk, and naturally, the higher the interest rate.

As such, there are some important things to consider when securing a high loan to value mortgage: many traditional banks are unable or unwilling to offer high-value loans. This is because interest rates can be high and there are a number of factors that can affect your eligibility when securing one.

One such consideration will be the assets you can use as collateral for the loan, with many private lenders willing to accept sufficient cash flow or other assets to cover their liabilities. By placing Assets Under Management (AUM), the lender has greater security to offset the associated risk and this can often lead them to offer a higher LTV or a more favourable rate.

The reasoning as to whether you should get high LTV property finance is a personal one, and will wholly depend on your specific set of circumstances. For example, it might be that you would prefer to keep a hold of your liquidity for other strategic investments or property acquisitions.

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How can LDNfinance help?

In order to assess which is the best and most convenient route for you, it’s imperative that you instruct the expert advice of a trusted broker such as LDNfinance to help navigate these tricky waters.

We believe relationships are key to solving complex cases and HNW acquisitions. Our expert brokers have strong, long-lasting relationships within the private lending space and a deep understanding and knowledge of the rates, products, and criteria that come with it.

Working alongside the rest of your professional outfit – from accountants to solicitors – your personal adviser will present your case to our trusted network of private banks and specialist lenders in the best possible light. Your chosen lender will then take a holistic view on your complete wealth and asset profile, and a bespoke approach to your case.

At LDNfinance, we have a wealth of experience in securing borrowing of 80% LTV, 90% LTV and above for our clients at attractive rates. Our strong industry relationships will ensure you receive the perfect solution to help you realise your property finance aspirations, no matter the complexity.

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Testimonials

Our happy clients

Excellent and outstanding professional service from start to finish. From offering as many options as possible, to explaining to me very quickly what the benefits are and what I should really be thinking about moving forward. Thoroughly recommend.

Mr. M

July 2021

5 Stars! The LDN team supported us purchasing our family home, without their support and as an expat it would have been very difficult to obtain our new home in the UK. I would totally recommended them.

Mr. S

August 2021

Johnny Martin held our hands through the entire process calmly and professionally. Brilliant service, efficient and swift in response to everything. He made the entire journey uncomplicated even when the bank made it complicated. Highly recommended.

Mr. H

July 2021

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Contact our professional and experienced private client advisers today for an efficient, discreet and tailored service.

 

Prefer to chat? Call us on 020 3903 9875

 

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