Cotswold house

27 Oct 2021

Case study: Long-term fixed rate mortgage for new £7m home in the Cotswolds

Investec Mortgage Intermediaries team

Investec provided a 75% LTV, interest-only mortgage for a private equity professional’s new country home.

The client

A broker introduced us to a private equity professional who is a Canadian citizen and a UK resident but is paid in US Dollars. He is also liable for both UK and US tax payments.

The challenge

The client was looking for an interest-only mortgage with a high residual balance as the majority of his income was earned and taxed offshore. His pay structure was complex and included his base salary, a bonus and carry, while the property was unusual. The substantial new-build in the Cotswolds was set in 31 acres with a separate coach house and outbuildings.

The solution

Investec was able to offer an interest-only mortgage of 75% loan-to-value for the £7m home using the client’s base salary and worked efficiently to enable completion within four weeks.

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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

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