Restaurant place setting

01 Mar 2022

Case study: Leveraging a bonus to purchase a new home

Investec Mortgage Intermediaries team

Investec was able to work with a broker to provide a client with a mortgage that enabled them to buy a new home before they had sold their existing one by looking at their wealth holistically.


The client

A broker approached Investec to support a high-net-worth client looking to purchase a new family home in North West London. The client received a large proportion of their income as a bonus. With the average time taken for a property purchase to complete rising in 2021, the client was keen to move quickly and secure their new home.

The challenge

The challenge was that the client had not yet sold their existing home which meant they needed to borrow more in order to fund the new property. Their existing home was to be rented out while the clients found the right buyer for the property.

The solution

Investec was able to offer the client a 90% LTV mortgage on the new home from day one, with capital reductions due in the first five years which enabled the client to use their bonus, as well as potential income from the sale of their existing home to reduce the balance owed. We have a long track record of working with high-net-worth clients with complex lending needs; if you have an enquiry of this nature, don’t hesitate to get in touch with our team.


Ready to discuss your clients’ mortgage options?



Disclaimer:  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.


PE Partner seeking flexibiity

Case study: PE partner seeking flexibility

Investec recently met a client paid via a regular salary, bonuses and carried interest – all in euros. This high net worth individual sought a flexible mortgage solution in order to free up funds to cover other expenses and for investment opportunities.

Case study

2 min read

Visit our intermediary hub

Find more residential and commercial property insights from the Investec team, and other experts from across our trusted network.

Discover more case studies from Investec