The borrower

A broker introduced us to a client who was a senior equity Partner at a magic circle law firm.


The problem

The client wanted to buy a new main residence in Prime Central London but had not yet sold his existing home. He also needed to refinance his current main residence and release funds towards the purchase while securing a mortgage on his new home. He was looking to sell the current residence within two years, so was looking for a solution that would enable him to avoid Early Repayment Charges for this period.


The solution

At Investec, we’re able to assess our clients’ wealth holistically and find bespoke solutions. For this case, we structured a loan in two parts. Firstly, the client received an interest-only loan on a variable lifetime tracker rate for two years with no ERC on this part. This was to be repaid by the sale of the current main residence. Secondly, an interest-only loan was provided with a 15-year term at a 10-year fixed rate.

We worked quickly with our integrated credit team to help the client and his family secured 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.

It all starts with a conversation

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Further information for mortgage brokers

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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.