HNW Mortgage for Asset Rich Client with Little Income: Tailored Financing Solution
Featured Snippet: This HNW Mortgage for Asset Rich Client with Little Income case study demonstrates how Articus Finance secured a bespoke mortgage for a UK national with significant assets but limited income, leveraging creative lending solutions to meet the client’s unique financial profile.
Introduction
In this HNW Mortgage for Asset Rich Client with Little Income case study, Articus Finance showcases its expertise in structuring tailored mortgage solutions for clients whose financial circumstances fall outside traditional lending criteria. Our client, a UK national and resident, owned a prestigious main residence in Belgravia valued at £6 million but had recently launched a business with limited income history.
Client Background
The client was an enterprising entrepreneur who had started a new business just eight months prior to seeking mortgage finance. Despite owning a high-value property, the client’s unconventional income structure posed challenges for conventional lenders. The client sought a mortgage of £3,800,000, representing a 63% loan-to-value (LTV) against the £6 million property.
Given the client’s asset-rich but income-light profile, a bespoke approach was essential to secure the desired financing while aligning with the client’s long-term financial goals.
The Challenge
Securing a mortgage for a self-employed business owner with limited income history is inherently complex. Lenders typically require robust income evidence, which was lacking due to the client’s recent business launch. This created a significant barrier to accessing traditional mortgage products.
Additionally, the high loan amount and the need for a five-year term required a lender willing to consider alternative underwriting criteria, including asset strength and potential income generation.
Our Solution
Articus Finance took a creative and strategic approach by demonstrating to lenders the client’s substantial asset base, which could be leveraged to mitigate credit risk. We highlighted the value of the client’s main residence and other assets as security and potential income sources.
Through our strong relationships with specialist lenders, we secured a mortgage at 63% LTV with a five-year term, utilising a high-net-worth exemption that allowed the client to qualify despite limited income documentation.
This bespoke mortgage solution provided the client with the flexibility and security needed to support their business ambitions while maintaining their lifestyle in Belgravia.
Key Highlights
- Client: UK national and resident with high-value main residence.
- Property: Main residence in Belgravia valued at £6 million.
- Loan amount: £3,800,000 at 63% LTV.
- Client profile: Asset rich, limited income due to recent business launch.
- Solution: Bespoke mortgage leveraging asset strength and high-net-worth exemption.
- Term: Five-year mortgage term tailored to client needs.
Why Articus Finance Delivered
Articus Finance’s deep understanding of high net worth client needs and lender criteria enabled us to craft a mortgage solution that traditional lenders could not offer. Our ability to present a compelling case based on asset strength and future income potential was key to securing the mortgage.
This case exemplifies our commitment to providing flexible, client-focused mortgage solutions that accommodate complex financial profiles and support long-term wealth strategies.
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Final Thoughts
This HNW Mortgage for Asset Rich Client with Little Income case study highlights Articus Finance’s ability to deliver bespoke mortgage solutions that accommodate complex financial situations. By leveraging asset strength and specialist lender relationships, we empower clients to achieve their property financing goals with confidence.