Map the structure
Explain the borrower, ownership, relevant entities and countries involved.
Jack Cousins · UHNW mortgages
Complex wealth. One clear mortgage conversation.
A starting point for substantial borrowing, international income and layered financial circumstances. The ownership, security and repayment plan all matter.
07456 935677 · jack@lockhartmurphy.com
Mortgage and protection advice is provided through Mortgage Force (UK) Ltd. Scope, eligibility and any fees are discussed before proceeding.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or other loans secured upon it.
A useful starting pointPut the right details
Put the right details
on the table.
Begin with an outline. Jack will explain what needs a closer look and which documents would be useful next.
Separate assets and earnings
Show what is available for a deposit and what supports ongoing repayments.
Coordinate the professionals
Align the mortgage work with the input of your appointed legal and tax advisers.
Your next stepTell me where
Tell me where
you’re starting.
A short outline is enough for the first conversation. Please leave out passports, account numbers and sensitive documents.
Useful things to have in mind
- Purpose, amount and repayment approach
- Personal and company ownership structure
- Evidence of income, assets and existing liabilities
- Nationality, residence and income currencies
Jack Cousins
Head of Mortgages
Lockhart Murphy
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Does substantial wealth guarantee a mortgage?
No. Affordability, acceptable income, the property, ownership and other lender requirements still need to be satisfied.
There is no promise of a mortgage, rate or timescale. Each case depends on the lender’s assessment and the complete circumstances.
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