Million Pound Mortgages
There are very few lenders on the high street who will offer a million pound mortgage and those that will will insist on a lot of paper work and ask a lot of questions.
We believe we are the market leaders in the UK when it comes to arranging multi million pound mortgages and our advisers will make the process as smooth and as quickly as possible.
Mortgage terms, in terms of interest rates, flexibility and structure are much better for mortgages over a million pounds and we have access to all the lenders who are active in this sector. Lenders include private banks in London, the channel islands and other financial centers, like Dubai and Singapore for example.
Some things we will look at for you when your mortgage exceeds £1m:
- Ownership structure – would a limited company or offshore domiciled mortgage help?
- Is there any tax planning which will make your purchase more efficient?
- Can we cross charge assets, or place cash with a lender, to get better terms or higher gearing
- How can you protect your mortgage, should you conciser life assurance (which we would arrange in trust as standard)
- Would the ability to overpay or offset your mortgage be of benefit
- How can we protect your exposure to interest rate movements – blending the mortgage or arranging an interest rate cap may be an option
- Is Sterling the most appropriate, would a foreign currency be more appropriate.
Our advisers are expert in this area and are available to speak at short notice on 0207 940 4747
