Entrepreneur Purchase First Property in the UK with Specialist Mortgage
Featured Snippet: Articus Finance arranged bespoke lending to help an entrepreneur purchase first property in the UK. A £3.5 million interest-only mortgage at 77% loan-to-value was secured through a private bank, ensuring long-term certainty despite fluctuating income patterns and imminent rate rises.
Introduction
Entrepreneurs often face unique challenges compared to salaried individuals when seeking to finance property. Fluctuating business income or tax-efficient remuneration strategies can make standard affordability models unsuitable. This case study shows how Articus Finance enabled an entrepreneur purchase first property in the UK by securing a competitive, private bank-backed solution for a high-value London purchase.
Client Background
The client, a British national and lifelong London resident, was preparing to buy his first home in Prime Central London valued at £4.525 million. He required a £3.5 million loan, which equated to an ambitious 77% loan-to-value. His entrepreneurial profile introduced complexity: while financially successful, his income was dividend-led and variable year to year.
Like many entrepreneurs, he only drew earnings when required to remain tax efficient, thereby limiting conventional affordability evidence. At the same time, with UK interest rates poised to rise, he wanted an interest-only product with fixed payments for five years to guarantee security, predictable outgoings, and liquidity preservation.
The Challenge
Several challenges risked impeding this transaction:
- High purchase value: Few lenders were prepared to offer 77% LTV on a £4.5m property.
- Income profile: Dividend-driven earnings with large fluctuations created an unfavourable perspective for conventional lenders.
- Imminent rate rises: A fixed-rate structure was needed urgently to mitigate market shifts.
- First-time buyer: Despite being affluent and successful, he had no previous UK mortgage track record.
These combined hurdles meant mainstream bank underwriting models would likely decline the case in its raw submission. A bespoke approach and reframing with the right lender were essential.
Our Solution
Articus Finance drew upon its established relationships with private banks capable of more holistic assessment. We compiled a detailed financial presentation highlighting not only past earnings but the client’s strong business performance and long-term wealth outlook. This enabled us to reframe taxation-led income fluctuation as a deliberate and prudent financial strategy rather than instability.
- Loan: £3.5m interest-only mortgage structured via a private bank.
- Term: Fixed for 5 years to guarantee predictable repayments in a period of volatility.
- LTV: 77% against the £4.525m purchase.
- Rationale: The entrepreneurial track record, cash reserves, and profitable businesses provided evidence of sustainable wealth to support long-term repayment.
This structure delivered a high-leverage facility, secured quickly, while mitigating exposure to rising interest rates.
Key Highlights
- Client: British entrepreneur, first-time property buyer in London.
- Property: Central London residential purchase worth £4.525 million.
- Finance: £3.5 million private bank mortgage.
- LTV: 77%, significantly higher than traditional lending limits.
- Term: 5-year fixed, interest-only structure.
- Result: Successfully purchased a high-value property while preserving liquidity.
Why Articus Finance Delivered
The determining factor in this outcome was specialist representation. Where high street lenders would have dismissed the fluctuating income profile, Articus Finance positioned the application with lenders receptive to entrepreneurial wealth structures. We:
- Engaged private banks prepared to underwrite based on wealth and business ownership.
- Recast dividend-based income as evidence of efficient long-term wealth planning.
- Protected the client’s position by securing a fixed rate ahead of broader market movement.
- Negotiated a rare 77% LTV with an interest-only repayment plan.
For those seeking to entrepreneur purchase first property in the UK, this demonstrates the value of specialist mortgage advisers who understand how to align unconventional income profiles with bank appetite.
Explore Related Insights
- Mixed Residential and Commercial Remortgage with High Loan to Value
- Bridging Loan Securing BTL Property for UK Expat
- UK Client Required Quick Turnaround Regulated Bridging Loan
- Foreign National Acquiring Luxury London Residence
- Portfolio Landlord Optimising Finance Structures
- Development Exit Finance for UK Property
- High Net Worth Individual Interest-Only Mortgage
- Financial Conduct Authority (FCA)
Final Thoughts
This case study demonstrates how Articus Finance successfully enabled an entrepreneur purchase first property in the UK. By accessing private bank lending instead of constrained high street lenders, we delivered speed, certainty, and scale—creating a robust foundation of homeownership while preserving personal and business liquidity.