{"id":13397,"date":"2023-04-06T10:48:39","date_gmt":"2023-04-06T02:48:39","guid":{"rendered":"https:\/\/www.dev.articusfinance.com\/uncategorized-us\/high-loan-to-value-private-bank-mortgage-for-self-employed-uk-resident"},"modified":"2023-08-10T19:56:08","modified_gmt":"2023-08-10T11:56:08","slug":"high-loan-to-value-private-bank-mortgage-for-self-employed-uk-resident","status":"publish","type":"post","link":"https:\/\/backup.articusfinance.com\/us\/case-studies\/high-loan-to-value-private-bank-mortgage-for-self-employed-uk-resident","title":{"rendered":"High loan to Value Private Bank Mortgage for Self-Employed UK Resident"},"content":{"rendered":"<h2 style=\"font-size: 15px;\"><span style=\"font-family: Verdana, Geneva, sans-serif;\"><strong><span style=\"color: #134f5c;\">The case in brief<\/span><\/strong><\/span><\/h2>\n<p><!--more--><\/p>\n<ul style=\"font-size: 13px;\">\n<li><span style=\"color: #134f5c;\">Client: British national and resident\u00a0<\/span><\/li>\n<li><span style=\"color: #134f5c;\">Property type: Semi-detached house\u00a0<\/span><\/li>\n<li><span style=\"color: #134f5c;\">Property value: \u00a34 million<\/span><\/li>\n<li><span style=\"color: #134f5c;\">Loan Amount: \u00a33, 400,000<\/span><\/li>\n<li><span style=\"color: #134f5c;\">LTV: 85%<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-family: Verdana, Geneva, sans-serif;\">Looking for a high-value mortgage? <span style=\"color: #45818e;\"><a style=\"color: #45818e;\" href=\"\/us\/guides\/high-net-worth-mortgage-guide\" target=\"_blank\" rel=\"noopener\"><u>Download our High Net Worth Mortgage Guide to find out more<\/u><\/a><\/span><\/span><\/p>\n<h2 style=\"text-align: justify;\"><span style=\"color: #134f5c; font-family: Verdana, Geneva, sans-serif; font-size: 15px;\"><strong>The client<\/strong><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-family: Verdana, Geneva, sans-serif;\">Our client was a British national and resident with a successful entrepreneurial background, establishing a restaurant chain over a decade ago. They were looking to upsize their property due to the arrival of a new child. However, due to irregular personal income and reinvestment of their business&#8217;s profits, our client had only accumulated a relatively modest deposit \u2013 he also did not want to take any more money out of his company.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: Verdana, Geneva, sans-serif;\">The client\u2019s strong business account provided them with an advantage, as they demonstrated a steady trajectory for the business. This factor could enhance the client\u2019s personal profile and attest to their capacity to repay a <span style=\"color: #45818e;\"><a style=\"color: #45818e;\" href=\"https:\/\/backup.articusfinance.com\/us\/high-loan-to-value-mortgages\" target=\"_blank\" rel=\"noopener\"><u>high loan-to-value mortgage<\/u><\/a><\/span>.<\/span><\/p>\n<h2 style=\"text-align: justify;\"><span style=\"color: #134f5c; font-family: Verdana, Geneva, sans-serif; font-size: 15px;\"><strong>Our solution<\/strong><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-family: Verdana, Geneva, sans-serif;\">Due to the client\u2019s limited deposit, Articus had to construct a strong case based on the customer\u2019s profile and the business\u2019s future trajectory. This in turn would aid in developing a bespoke solution in collaboration with a <a href=\"https:\/\/backup.articusfinance.com\/us\/private-bank-mortgages\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #45818e;\"><u>private bank<\/u><\/span><\/a>.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: Verdana, Geneva, sans-serif;\">Our client required a <a href=\"https:\/\/backup.articusfinance.com\/us\/self-employed-mortgages\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #45818e;\"><u>self-employed mortgage<\/u><\/span><\/a> and we collaborated closely with a private bank that specialises in this area. The bank was satisfied with our client\u2019s circumstances and offered an attractive mortgage package. We successfully negotiated a mortgage deal with 85% loan to value (LTV) that would decrease to 75% over the next five years.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: Verdana, Geneva, sans-serif;\">Typically, private banks require Assets Under Management (AUM) as a precondition for mortgage access. However, at Articus, we have established relationships with various private banks that do not demand AUM.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: Verdana, Geneva, sans-serif;\">Securing <a style=\"text-decoration: underline;\" href=\"https:\/\/backup.articusfinance.com\/us\/high-net-worth-mortgages\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #45818e; text-decoration: underline;\">High-value mortgages<\/span><\/a> can be challenging for entrepreneurs as their earnings are frequently reinvested in their businesses. However, Articus as a premier mortgage broker for high-net-worth individuals, collaborate closely with private lenders to negotiate competitive mortgages for self-employed. Read more about our services <a href=\"https:\/\/backup.articusfinance.com\/us\/about\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #45818e;\"><u>here<\/u><\/span><\/a>, or <span style=\"color: #45818e;\"><a style=\"color: #45818e;\" href=\"https:\/\/backup.articusfinance.com\/us\/contact\" target=\"_blank\" rel=\"noopener\"><u>speak to a broker today<\/u><\/a><\/span>.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The case in brief<\/p>\n","protected":false},"author":1,"featured_media":13398,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[61],"tags":[],"class_list":["post-13397","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-case-studies"],"acf":[],"jetpack_featured_media_url":"https:\/\/backup.articusfinance.com\/wp-content\/uploads\/2023\/04\/1.png","_links":{"self":[{"href":"https:\/\/backup.articusfinance.com\/us\/wp-json\/wp\/v2\/posts\/13397","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/backup.articusfinance.com\/us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/backup.articusfinance.com\/us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/backup.articusfinance.com\/us\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/backup.articusfinance.com\/us\/wp-json\/wp\/v2\/comments?post=13397"}],"version-history":[{"count":0,"href":"https:\/\/backup.articusfinance.com\/us\/wp-json\/wp\/v2\/posts\/13397\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/backup.articusfinance.com\/us\/wp-json\/wp\/v2\/media\/13398"}],"wp:attachment":[{"href":"https:\/\/backup.articusfinance.com\/us\/wp-json\/wp\/v2\/media?parent=13397"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/backup.articusfinance.com\/us\/wp-json\/wp\/v2\/categories?post=13397"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/backup.articusfinance.com\/us\/wp-json\/wp\/v2\/tags?post=13397"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}