Specialist

Coutts Mortgages

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Clifton private finance

As a specialist broker we can help you source a mortgage from Coutts on residential and buy to let property transactions in the UK

We work with private banks including Coutts that will look at your requirement on a bespoke basis.

We can offer you options providing:
  • Bespoke lending solutions from £500,000
  • Large mortgage loans up to 95% LTV (Loan to value)
  • Uncomplicated approach to income & wealth
  • Interest only mortgage options 
  • Offset mortgage options - use your cash to reduce costs
  • High income multiple mortgages options for residential and investment properties
  • Options for short term finance (bridging), buy to let, commercial and development
  • Mortgage solutions for complex income arrangements e.g. multiple income sources, foreign currency
  • Solutions for HNW individuals
  • Offshore solutions for UK expats, non domiciled UK residents, UK residents earning in a foreign currency and foreign nationals
  • Independent service & expert advice
The Mortgage Challenge:
For larger loan requirements, when it comes to mortgages over £1 million lenders will usually want to see a larger deposit.
Typically many high street lenders will cap lending at 70% to 75% LTV (loan to value) e.g. on a central London property for example priced at £5 million as a borrower you would be expected to deposit £1.25 million to progress the deal.
This can be a sticking point for clients who want to maintain cash liquidity but from an affordability perspective can easily afford to borrow at a high level.
Bespoke Solutions:
The good news is that we work with lenders that take a more bespoke approach to mortgage lending.
Bespoke lending based on a more informed approach to a client’s circumstances means we can put in place lending solutions which are tailored to a client’s needs.
For example many of our clients want to work on an interest only basis.
Typical high street lenders will often have caps on how much can be borrowed on large loans over £1 million restricting the interest only portion to anything from 50% to 75% LTV.
We work with banks such as Coutts  that look at your full financial profile which means we can often source lending solutions that are purely bespoke.
Recent Case:
We were able to secure a 95% LTV mortgage on a £1.9 million property.
In this case we worked with a private bank who took a positive view on the client's future earnings prospects.
With just a 5% deposit the client borrowed £1.8 million with a blended rate on a 5 year fixed rate. £1 million was secured on a rate of 2.09% and the balance at 2.59%.

Latest Case Studies

Call us on 0203 900 4322 to discuss your requirements.
Recent

Property Finance Deals

Case Study: High Value Bridging Loan for Semi-Commercial Property
Bridging Loan for Semi-Commercial Property with Complex Exit Strategy
Area
Bath
Capital Raised
£2.55m
Case study: £1.2M Bridging Loan for Property in South Africa
Bridging loan on UK property to Purchase Home in South Africa
Area
Cape Town
Capital Raised
£1.2M
Securing a Residential Mortgage for a £20 Million Surrey Home
Securing a Residential Mortgage for a £20 Million Surrey Home
Area
Surrey
Capital Raised
£13m
Loan to Finance Purchase of Aston Martin DB6
Loan To Finance Purchase Of Aston Martin DB6
Area
London
Capital Raised
£300,000
Short Term Finance from Private Bank Secures £1.6m Colchester Home
Short Term Finance from Private Bank Secures £1.6m Colchester Home at Low Interest Rate
Area
Colchester
Capital Raised
£800K
Large Mortgage for Business Owner with Complex Offshore Holding Company and Trust Structure
Large Mortgage for Business Owner with Complex Offshore Holding Company and Trust Structure
Area
Orpington
Capital Raised
£1.4m

More Opportunities »

Large Mortgage Service

Private Bank Mortgage Service:

Our service provides creative solutions for large mortgage transactions. 
Call us on 0203 900 4322 to discuss your requirements.
What Our

Clients Say

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Get in Touch

If you have any questions about our services or want to start making things happen please contact us