95% LTV Mortgage on £7M Prime London Purchase

• Client: UK-based high-net-worth client with substantial market-based income
• Challenge: Secure high loan-to-value financing while preserving liquidity
• Loan Amount: Circa 95% loan-to-value mortgage with highly competitive pricing

A UK-based high-net-worth client with substantial market-based income approached me seeking finance for the acquisition of a prime London residential property. The client had a strong overall financial profile, supported by substantial earnings, a significant liquid investment portfolio, and diversified assets.

The client’s objective was centred around capital efficiency rather than access to funding. Rather than committing a substantial deposit toward the acquisition, the client wanted to preserve liquidity and maintain exposure to higher-return investment opportunities. Preserving capital while securing favourable financing terms was a key priority.

The main challenge was securing finance at a very high loan-to-value ratio for a prime residential property. Borrowing at this level is uncommon, particularly within the higher-value property market, where lenders typically require significant equity contributions regardless of a borrower’s broader financial strength. Conventional underwriting models often place significant emphasis on deposit size rather than taking a holistic view of wealth, liquidity, and long-term repayment capacity.

I conducted a targeted review of private banking lenders capable of assessing the transaction more broadly. The selected lender focused not only on the property itself, but also on the client’s earnings, overall asset position, liquidity profile, and clearly defined long-term repayment strategy. This broader approach enabled a bespoke facility to be structured at approximately 95% loan-to-value.

The mortgage was arranged with highly competitive pricing relative to market alternatives and provided flexibility around capital management while aligning with an agreed long-term deleveraging strategy.

This case highlights how, for sophisticated high-net-worth borrowers, leverage can be a strategic tool rather than a necessity. Where income, assets, and repayment strategy are sufficiently strong, preserving capital for higher-return opportunities can create greater long-term value than committing significant liquidity to a property acquisition.