Our client, a self-employed director of a financial litigation firm, sought a £1.43 million mortgage. Traditional lenders were cautious due to fluctuating income from case-based earnings.
High-net-worth self-employed professionals often face barriers because lenders focus on rigid affordability models. Our client’s income was profitable but inconsistent, and standard approaches could underestimate her true borrowing capacity.
Million Plus presented the clients full financial profile, including company accounts, ongoing case revenue, and forthcoming settlements. We supplemented the application with media coverage and industry recognition to demonstrate stability and financial reliability. A private bank specialising in complex income lending was approached, resulting in a tailored mortgage structure.
The mortgage was structured as a split facility, with 75% on an interest only basis and 25% on capital repayment. This approach provided flexibility aligned with the client’s business cashflow, enabling her to acquire the period property without delay while supporting both investment and personal objectives.
