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Interest Only Mortgages

Interest only mortgages have become a viable and attractive option for many of our clients. The monthly payments for interest only products cover the cost of the interest rate charged, not the outstanding capital balance, offering high net worth borrowers a great deal of flexibility.

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Interest Only Mortgages

Are you a high net worth individual looking to secure an interest only mortgage in order to maintain liquidity and flexibility? We’ve got you covered.

Your independent and impartial LDNfinance adviser will outline the pros and cons of an interest only mortgage to you and will explain everything in plain English. We may recommend interest only to you if your repayment plans and strategy are sufficient enough to repay the outstanding balance at the end of the term, and you can afford the monthly repayments.

Over the years, our expert team has developed trusted relationships with influential UK property market lenders and banks. Your dedicated adviser will have impeccable knowledge of the rates, charges, and lending criteria imposed by specialist and private large loan lenders to help secure the right interest only deal for you.

To discuss your circumstances in more detail, get in contact with our expert 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.

Interest only mortgages with LDNfinance

At LDNfinance, our residential property finance advisers work with our clients to assess their options for an interest only mortgage, whilst making them fully aware of the associated risks. In some cases, interest only can offer a greater deal of flexibility.

The Mortgage Market Review (MMR) has given lenders greater clarity and flexibility to increase the availability of interest only products, providing there is an accepted and reasonable basis for repayment of the loan by the end of the payment term.

Our advisers have access to a comprehensive network of private banks and other specialist lenders. This ensures our HNW clients are achieving the most appropriate borrowing levels and repayment terms. To ensure we have explored every avenue on your behalf, we also have access to high street banks and lenders too.

We act as your trusted partner, providing only the most personal service to make sure you feel in control and confident throughout every stage of your property investment journey. By taking the time to understand your needs and the deal in question, our one-on-one tailored service allows us to work relentlessly on your side to both exceed your expectations of what you can achieve and secure a solution to best suit your circumstances.

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Understanding the benefits of interest only mortgages

Our expert property finance professionals have extensive knowledge of the UK financial market. Your dedicated adviser will explore all of the options available to you, including the option of interest only, particularly if your personal and financial circumstances meet any of the following criteria:

  • Receive large bonus payments
  • Own other assets which could be used to repay interest only
  • Have the intention to downsize in the future
  • Have the ability to repay an interest only by other means
  • Classed as a high net worth individual (HNWI)
  • Operate on a self-employed basis
  • Classed as an older borrower

Working with a specialist high net worth mortgage broker such as LDNfinance is imperative to ensure you have access to lenders that can cater to your individual needs at a competitive rate. Whether you are looking to borrow on an interest only basis, or need to secure borrowing at a high loan to value (LTV), you can trust our appointed representatives to navigate the complex circumstances of your case efficiently and at speed.

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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

 

5-star assurance for service and excellence