Entrances of a row of white terraced houses

Case study: High LTV mortgage for clients with an existing property portfolio

Investec supported two lawyers seeking to buy a new family home in Essex. The clients had complex income structures and owned a number of properties.


The borrower

Two legal professionals approached Investec when they were seeking to purchase a new family home in Essex.


The problem

The two clients were looking to buy a home together, but owned a number of existing properties including buy-to-let investments and a house for a relative. Initially, they were seeking a high loan-to-value mortgage while looking to sell some of those homes.

Both of their incomes consisted of a monthly salary, bonus and deferred stock options.


The solution

Investec was able to look at their wealth holistically and offered the clients a £2m mortgage on a 20-year term with an initial five-year fixed rate period. The mortgage was predominantly structured on an interest-only basis, with amortisation and annual capital reductions included to suit their specific needs. This enabled the clients to secure their dream home without having to wait for their additional properties to be sold.


Get in touch

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