Investment Income Mortgages
Securing a mortgage when your wealth is tied up in investment funds can be challenging—particularly if you’re not drawing a regular income. Many high street lenders assess affordability based solely on earned income, which means they often overlook substantial liquid assets like investment portfolios. This can be a source of frustration for high-net-worth individuals who are asset-rich but lack traditional income streams.
At Hirschle Hughes we have developed strong relationships with a range of specialist lenders and private banks who are able to monetise these assets and use them towards supporting the affordability of a mortgage, opening up more tailored mortgage solutions for clients with complex financial profiles.
There are a couple of ways in which lenders can breakdown investments to use towards mortgage affordability. The first is that they will take into consideration a percentage of the investment value as an income for the mortgage. As an example, if you had an investment of £1,000,000 a specialist lender may take 5% of the value as an income towards the mortgage giving you an income of £50,000. Alternatively, a lender may be able to divide up the investment value over the term of the mortgage to prove affordability. For example, if you had an investment of £1,000,000 and you required a 10-year mortgage term providing that your financial adviser could confirm that could draw £100,000 a year to service the mortgage a lender may be able to take into consideration an income of £100,000 to prove affordability.
If your income structure doesn't fit traditional lending models, but you hold substantial investment assets, we can help. Get in touch with one of our expert advisers today to explore your mortgage options.
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We excel at arranging mortgages for clients with investments.
Our advisers have extensive experience arranging mortgages for clients with investment portfolios and complex income structures. We’ll guide you through the process from start to finish, working closely with your financial advisers and accountants to gain a full understanding of your income sources and asset base. This collaborative approach allows us to determine the most appropriate borrowing strategy and identify lenders who can offer tailored solutions based on your overall financial position.
To learn more and discuss your individual circumstances, get in touch with our expert team today.
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- Experienced advisers with a wealth of knowledge, enabling you to find the most suitable mortgage for your situation.
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Large Loan Mortgage
As experienced mortgage advisers, we understand the complexities involved in securing large mortgage loans, particularly when borrowing in excess of £1,000,000. In many cases, high street lenders may not have the appetite or flexibility to meet the lending requirements for high-value properties. Instead, a private bank or specialist lender is often better positioned to offer tailored solutions that reflect your financial profile and borrowing needs.
To explore your options and receive expert guidance on large mortgage loans, get in touch with our team today.
Interest-Only mortgage
Interest-only mortgages have proven to be an extremely attractive option for our clients, offering them a greater deal of flexibility when structuring their mortgages. With that being said, mortgage lenders have tightened their criteria for interest-only mortgages over the last few years, viewing these products as higher risk compared to traditional repayment mortgages. With an interest-only mortgage, your monthly payments only cover the interest charged by the lender, meaning the original loan amount remains outstanding throughout the term. This makes it essential to have a clear and credible repayment strategy in place to ensure the balance can be repaid at the end of the mortgage term.
If you’re considering an interest-only mortgage and want advice you can trust, get in touch with our experienced team today to discuss your options in more detail.
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Property Finance Solutions
At Hirschle Hughes, we provide tailored property finance solutions for a wide range of clients — from first-time buyers and business owners to high-net-worth individuals. Whether you’re securing a residential mortgage, commercial loan, or bespoke lending arrangement, our expert advisers are committed to delivering exceptional service and ensuring a smooth, stress-free transaction.