The borrower
A broker introduced us to a client who was a legal partner at a top law firm. While her income had increased dramatically in recent times, she had been promoted within the last two years which affected mainstream lenders’ affordability calculations.
The problem
The client wanted to buy a countryside property in Cornwall. The property had four bedrooms and two additional holiday cottages which had the potential to be used as holiday lets. Retail lenders were concerned that the client may let out the cottages, which is why the client needed a bespoke HNW Private Banking solution.
The solution
Investec is able to evaluate each case on its own merits. We were able to assess the client’s wealth holistically and take future income into account in order to provide a 75% LTV mortgage fixed for a 15-year term. We worked quickly with our integrated credit team to help the client and her family secure their new home.
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.
