High Loan to Value Mortgages

Under normal circumstances companies financing large mortgages, predominantly over £1 million, would not offer an 85% LTV. The situation is a little different when it comes to high net worth individuals because many will have sufficient cash flow or other assets they can use as collateral. Though some may have limited cash resources in the short-medium term, they will have assets which will more than cover their liabilities.

Even so, the number of mortgage providers who would even consider an 85% LTV mortgage is normally few and far between. Many providers will shy away from the perceived extra risk associated with 85% LTV mortgages and above. This is where we come in….