CASE STUDY
When planning a self-build project, clarity around financing options is crucial. Our client, a UK-based Head of AI at a leading tech firm, set out to demolish and rebuild his home using sustainable materials. He sought our assistance to help structure a mortgage facility that matched both the ambition and complexity of the project.
• Profession: Head of AI
• Property Value: £3.5 million
• Loan Amount: £950,000
• LTV: 27%
• Product Type: 2-year discount variable
• Residency: UK-based
• Referred by: Global Private Banking Introducer
The client needed a tailored mortgage to support a staged self-build, following a recent change in employment status from self-employed to employed — a transition that complicated standard affordability assessments. His goal: to secure funds in tranches for efficiency and only pay interest on drawn amounts, while retaining flexibility to refinance upon project completion.
We secured a self-build mortgage with a specialist lender, offering a 2.55% discount on the Standard Variable Rate (SVR), with no early repayment charges. This allowed the client to:
We worked proactively to gather all documentation upfront and maintained direct dialogue with the lender throughout the process to keep things efficient and moving forward.
For clients undertaking complex property projects, discretion, speed, and precision matter. By understanding the nuances of this client’s profile and objectives, we were able to structure a bespoke solution that standard channels may have struggled to deliver.
Whether you’re embarking on a major renovation or a ground-up rebuild, we help structure financing that works around your plans — not the other way around. For discreet, expert-led advice tailored to your goals, get in touch today.