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.
Many high street mortgage lenders have a maximum loan that will prevent them from offering a suitable lending option for a high-value property. For example, if a lender has a maximum loan size of £3,000,000 and the security property is valued at £10,000,000 then you are offering the lender a 30% loan to value.
This may be unattractive as a maximum loan amount should you require 60 – 75% Loan to Value but it may also be unwise to lock in a mortgage where so much equity is tied up in the property.
Private Banks can offer significantly higher loan amounts, however, they may also have Loan to Value restrictions. This is linked to the persevered risk of lending on one high-value asset.
Some private banks may restrict the maximum loan to value to as much as 50% on a single high-value property.
How To Get A High-Value Property Mortgage
When assessing a client’s options for large loans we will consider the maximum loan to value offered against the other fundamentals such as the cost of borrowing.
This ensures the client receives the most appropriate overall lending solution.
Need Help Securing A High-Value Mortgage?
We obtain the best possible mortgage terms by using our own in-house analysis tools in combination with our extensive database of lender contacts.
We offer a personal service and you deal with an expert who can understand your needs and deliver accurate solutions in a timely manner.