£3.8m Private Bank Mortgage - Self-Employed Architect
£3.8m residential mortgage via private bank using three-year averaged income and bespoke repayment structure.
The Client
London-based architect with partnership income structure
The Challenge
A London-based architect with variable income from a partnership structure was declined by three high-street lenders who could not underwrite the variable income basis. The client required a £3.8m residential mortgage for a family home acquisition.
Our Solution
Doulton placed the case with a private bank using three years of averaged partnership income and a bespoke interest-only / capital repayment hybrid structure. The bank held the broader banking relationship including investment portfolio, supporting the lend.
The Outcome
£3.8m residential mortgage completed at a competitive rate on a bespoke repayment structure that matched the client's cash flow profile. The wider banking relationship was retained, with the private bank also taking over corporate accounts for the partnership. Key highlights: Partnership income basis accepted by private bank; Bespoke repayment structure - cash flow matched; Wider banking relationship strengthened.
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