£3,000,000 Roll Up mortgage

Client Requirements

  • To refinance a main residence

  • Property value £5,500,000

  • Mortgage outstanding £3,000,000

  • Annual income from business £200,000

  • 15 X standard income required

What was the situation?

Our client had a successful business in the real estate sector; he had been operating successfully for over 20 years. The client had a large remortgage requirement of £3,000,000, this rate was coming to the end of its term, and the existing lender was not willing to extend the loan maturity date.

The client owned a significant property portfolio and held other assets such as art and collectable cars. The property portfolio was leveraged to approximately 50% Loan to Value, and the rental income comfortably covered the buy-to-let monthly mortgage payments.

The plan was to eventually downsize to another property the client owned within their portfolio; this would be in circa 3 – 5 years when the children leave home for university.

What was the issue?

The issue we faced was proving affordability in the traditional sense. 

The company net profits were circa £200k, which would normally only allow borrowing of circa £1,000,000 with a conventional lender. 

We needed to raise a mortgage of 15 times the client’s earned income. (Most lenders only allow for 4 – 5 times income as a maximum loan).

Roll Up Mortgage HNW
Brilliant service. The team at Advias have worked tirelessly to get my mortgage sorted and have done a fantastic job. I am more than happy to recommend them, nothing is too much trouble and communication is spot on. Many thanks.


Advias' solution

We identified that the client could be classified as a High Net Worth Individual and therefore be treated differently by certain lenders. One possible solution was the equity in his property portfolio; this could be used to generate a theoretical income by way of sales, selling a property each year to generate funds for mortgage payments and lifestyle. However, it was the equity in his current home that we used to service the mortgage; by rolling up mortgage interest over the loan term, the mortgage and accrued interest would be repaid when the client downsized.


We negotiated a five year fixed rate with a lender that could apply a high net worth exemption and would roll up the interest for the term of the loan; this meant there were no monthly payments required as the loan interest was added to the loan each month. This solution got around utilising earned income to assess mortgage affordability and worked well with the clients who could enjoy their home for five further years before downsizing.

entrepreneur mortgage case study
Case Study

Entrepreneur Mortgage Success: Securing a Bespoke Mortgage

UK-based entrepreneur in obtaining an entrepreneur mortgage for a £3.5 million property in the Cotswolds. The client faced several challenges due to their complex income structure and negative credit history. Still, our team leveraged its knowledge and connections with private banks to find the right mortgage.

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