BRINGING OUR
HIGH NET WORTH
LENDING APPROACH TO LIFE

Got a high net worth client that doesn’t fit the standard mould? That’s great, because neither do we. We understand the intricacies of high net worth finances and have an impressive track record when it comes to cases with more than one quirk or complexity.

We don’t rely on computers or tick boxes to make our decisions, instead we take a human touch approach with REAL people making our decisions. This includes our daily Credit Committee who review each case on its own merit to find ways to say yes – providing you with a quick and reliable answer. That’s just one part of our Best for Brokers Promise, our commitment to putting your needs first, always.

Let’s bring this to life in our latest case study:

The clients’ scenario

We were approached by a broker whose high net worth clients had set their sights on a dream property on the south coast which was valued at over £2m. They were looking for a loan of £1.8m to fund part of the purchase.

Their circumstances were a little out of the ordinary. Their main source of income came from dividend earnings received from shares in their business, which produced over £1m in annual profits.

The property, whilst habitable, was also in need of refurbishment, with an estimated £400k needing to be spent on improvements. The clients’ intention? To create a dream coastal residence to live in, with a longer-term exit strategy of selling their business within the next 5 years. 

They needed a specialist lender who could help them and that’s where we came in.

Our solution

With our broad lending policy and flexible, can-do approach, we carefully considered the unique circumstances of this case. With flexible underwriting and ability to assess complex income structures, we looked at the full picture of the clients’ affordability and considered:

• Capital raising on their existing unencumbered residence 
• Retained profits from their existing business, including cash and capitalised income
• Considered using interim accounts and an explanatory reference from their accountant to evidence future earnings of the business
• Future projection of their business value to support the exit strategy of their interest-only mortgage

The result

Taking into account their complex income streams of investment earnings and future business and residential sales as an exit strategy, we were able to provide the clients with an interest only residential loan for a term of 60 months with a three year ERC period to align with their exit strategy. This flexible lending approach enabled the clients to proceed with the purchase and make the enhancements to transform it into their dream home.

This real case is a great example of how we support clients like the high net worth couple featured in our client profile – where bespoke lending and a deep understanding of the complexities of high net worth finance make all the difference.

Hear from the broker…

Commenting on her experience of working with us, Lorraine Balcombe of Albert Goodman Financial Planning Ltd said: “Market Harborough were great to work with, and communication was excellent from everybody involved – it was refreshing to be able to pick up the phone and speak to the underwriter rather than just send an email. Rohan, the business development manager, has to take a lot of credit for his knowledge and helpfulness too. If you have a complex case, they are experts to help your clients with their mortgage needs.”

Our Specialist Business Development Manager, Rohan Hardeman, added: “It was a pleasure to work with Lorraine on this case, she let us know the complexities upfront and worked with us to find a solution for the client. This one really highlights our flexible approach to lending. By understanding the clients’ broader financial landscape and future plans, we were able to structure a bespoke interest-only solution over 60 months. It’s always rewarding to help brokers support their clients in securing unique properties, especially when it means turning a dream into reality.”

Let us handle the complex…

Whether your client’s case has one quirk or multiple, we’ve got you covered. We’re on hand to guide you through with a human touch and proactive approach.

Why not see how we can help you with your latest scenario? Give your nearest BDM a call today or contact our broker support team on 01858 412345.

This is a recent case example, pricing is tailored to your clients’ individual circumstances. Article details are correct as at July 2025.