The borrower
A city professional turned to Investec when he wanted to purchase and renovate a large family home in London.
The challenge
The client was looking to borrow around £3m to fund the property and some cosmetic renovations.
As with many of our mortgage cases, the client had a complex income structure which needed to be considered in affordability calculations. His remuneration included annual profit shares paid in foreign currency and rent from two investment properties. The client was also a non-domiciled UK resident, and this meant that income was evaluated for both currency volatility and tax obligations in multiple jurisdictions.
The solution
By carefully understanding the client’s financial position, Investec was able to provide a high LTV, full-amortising loan over a 28-year term.
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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.
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