Specialist

Mortgages For Law Firm Partners

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mortgages for law firm partners

Clifton private finance

We specialize in sourcing finance for law firm partners on residential and commercial property transactions in the UK

For law firm partners we work with select high street and private banks on a bespoke basis.

We can offer:
  • Bespoke lending solutions from £250,000
  • Large mortgage loans up to 95% LTV (Loan to value)
  • Uncomplicated approach to income & wealth
  • Interest only options 
  • Mortgages for residential and investment properties
  • Options for short term finance (bridging), buy to let, commercial and development
  • Mortgage solutions for complex income arrangements e.g. onshore and offshore trusts
  • Solutions for HNW & UHNW individuals
  • Lombard lending from £2m
  • Offshore solutions for law firm partners who are UK expats, non domiciled UK residents, UK residents earning in a foreign currency and foreign nationals
  • Independent service & expert advice
The Large Mortgage Challenge:
For larger loan requirements, when it comes to mortgages over £1 million lenders will usually want to see a larger deposit.
Typically many high street lenders will cap lending at 70% to 75% LTV (loan to value) e.g. on a central London property for example priced at £5 million as a borrower you would be expected to deposit £1.25 million to progress the deal.
This can be a sticking point for clients who want to maintain cash liquidity but from an affordability perspective can easily afford to borrow at a high level.
The Solution:
The good news is that we work with lenders that take a more bespoke approach to mortgage lending.
Bespoke lending based on a more informed approach to a client’s circumstances means we can put in place lending solutions which are tailored to a client’s needs.
For example many of our clients want to work on an interest only basis.
Typical high street lenders will often have caps on how much can be borrowed on large loans over £1 million restricting the interest only portion to anything from 50% to 75% LTV.
We work with banks that look at your full financial profile as a law firm partner which means we can often source lending solutions that are purely bespoke.
Recent Case:
We were able to secure a 95% LTV mortgage on a £1.9 million property
In this case we worked with a private bank who took a positive view on the client's future earnings prospects in the legal profession.
With just a 5% deposit the client borrowed £1.8 million with a blended rate on a 5 year fixed rate. £1 million was secured on a rate of 2.09% and the balance at 2.59%.
Call us on 0203 900 4322 to discuss your requirements.
Recent

Property Finance Deals

Complex tracker remortgage at 85 percent LTV for London professional couple
Area
London
Capital Raised
£1M
Million-pound mortgage for self-employed law partner starting a new job, but currently on maternity leave
Area
SE London
Capital Raised
£1.23M
15 year UK mortgage for 70 year old working in the Netherlands, paid in Euros
Area
Leicestershire
Capital Raised
£230K
Offset Mortgage For London Barrister Buying Second Home In Somerset
Area
Somerset
Capital Raised
£658K
London Law Firm Partner Mortgage With Low Deposit
Area
London
Capital Raised
£1.7M
British Expat With Complex Income Finance To Buy Residential Property In Bath
Area
Bath
Capital Raised
750K

More Opportunities »

Contact Us

Law Firm Mortgage Broker Service

Specialist mortgage broker service providing:

Our broker service provides expert help to UK law firm partners who have complex income arrangements. This can include bonus payments, profit-sharing agreements, or income and dividends from self-employment. 
Call us on 0203 900 4322 to discuss your requirements.

Recent Case Study: Million pound mortgage for self-employed law firm partner »

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Get in Touch

If you have any questions about our services or want to start making things happen please contact us