Our client sought a £1.85 million mortgage to acquire a countryside estate in the South of England valued at £2.6 million. The client held multiple UK properties, with income generated through rental portfolios and investment distributions.
Standard lenders applied conservative affordability models and valuation assumptions, limiting borrowing due to the regional nature of the property and the complexity of the client’s portfolio. This failed to reflect the strength of the underlying assets and income sustainability.
Million Plus Private Finance structured the application to present the client’s wider property portfolio, rental income history, and asset backing in full. By engaging a specialist lender familiar with high-value regional UK properties, the mortgage was assessed on portfolio strength rather than a single-asset basis.
The mortgage was arranged with a flexible repayment structure, allowing the client to acquire the estate while retaining capital for future investments and ongoing portfolio management.
