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When it comes to high-value mortgages, where lender conditions and rates can be more flexible, looking to high street lenders may not be the most suitable solution as they do not typically have the experience in underwriting them.
One of the challenges faced when purchasing premium property can be the restrictions imposed by many lenders with regard to the maximum loan to value available. For this reason, it is crucial you have a mortgage broker who can help you to structure your debt in the correct way and assist you in choosing a lender who specialises in mortgages valued in excess of £1m.
Things such as personal pension and stock portfolio can be used to negotiate the most suitable possible lending terms for your circumstances.
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