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27 Feb 2025

Case study: 60% buy-to-let remortgage for entrepreneur with portfolio income

When an entrepreneur wanted to remortgage a buy-to-let property in London, Investec was able to look beyond rental income and consider returns from his diverse investment portfolio to provide a 60% LTV facility.

Our client

A successful entrepreneur in the technology industry approached Investec when he wanted to remortgage a buy-to-let property in London.

The client had income from multiple sources including a diverse share portfolio and two additional investment properties.

The challenge

The existing tenancy on the property was due to expire. This meant the entrepreneur needed a lender who could look beyond rental cover and take a holistic view of affordability and consider other earnings and assets when determining an appropriate loan amount.

The property also had a co-owner.

The solution

Investec works with several entrepreneurs and professionals who have income from different sources. We were pleased to support this hard-working individual and his broker by providing a 60% LTV facility for £1m. Affordability was based on the value of his investment portfolio and income expected from the sale of another property.

While the client was the sole borrower, the property’s co-owner was asked to provide a guarantee.

Get in touch

If you're a mortgage broker and want to discuss how we can help your clients with their mortgage, contact us.

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Important information

Your property may be repossessed if you do not keep up repayments on your mortgage. Investec residential mortgages are only available for residential properties in England or Wales and are primarily available to UK residents and subject to eligibility. This is a case study based on the services we provide. Some details may have been changed for client confidentiality.