JEFS Case Study
We recently completed a tailored mortgage solution for a high net worth client seeking to restructure their existing residential property into a limited company buy-to-let, while simultaneously purchasing a new-build main residence in their personal name.
The Challenge
As a professional sports person, the client’s circumstances presented several challenges. Their income was contract-based and, due to the nature of their profession, they also had a comparatively young retirement age. These factors significantly restricted the number of lenders available and limited the mortgage term that could be offered.
The Solution
The client required a loan of £1.1 million at 85% LTV and had a clear preference for a three-year fixed rate to provide short-term certainty. Given the complexity of the case, one of our experienced brokers carried out a detailed search of the market, assessing both specialist and high street lenders.
The Turnaround
Despite the challenges, we were able to secure a three-year fixed rate at just 4.27% with a retail lender. This represented an excellent outcome and the importance of expert market knowledge, careful lender selection, and bespoke advice when dealing with high net worth clients and non-standard income profiles.
Other Case Studies
Client Profile At James Evans Financial Services, we were recently approached by an existing client seeking to fund the purchase of a rare 1950s Ferrari, with a purchase price of...
At James Evans Financial Services, we were recently approached to arrange funding for the acquisition of an exceptional aircraft — a Gulfstream G700. The aircraft was being purchased through an...
Client Background James Evans Financial Services recently supported some clients who were mortgage-free on their existing property and had found a new home they wished to purchase. Due to strict...
Richard NortheyManaging Director - The Education Consultancy This Q&A with The Education Consultancy explains how the organisation supports American families relocating to the UK in navigating the British education system....