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As he worked for a large international company based in the US, he was paid in dollars and into a US bank account. He also received part of his income in deferred shares.

Our client required help to secure a mortgage to purchase his first family home in the UK.  

As he worked for a large international company based in the United States - he was paid in dollars and into a US bank account. He also received part of his income in deferred shares.

He was looking to borrow approximately £1.5 million and secure a competitively priced five-year fixed rate mortgage.  

Solution

Even though our client had a complex income structure with offshore income and deferred shares, Trinity secured a fantastically low five-year fixed rate mortgage.

We approached a bank with a specialist high net worth lending team, consistently working with selected brokers to process often complicated and high net worth enquiries.

They were happy to take the deferred shares for mortgage affordability purposes and did not have an issue with payments going into a US bank account. 

Property: House in London

Value: £2,100,000

Mortgage: £1,550,000

Rate:  2.68% fixed rate until 30/06/2021

The overall cost for comparison is 3.7% APRC representative.

Reversion rate: 4% - the lender’s standard variable rate.

Lenders arrangement fee: £995

Mortgage term: 25-year term

Repayment type: Part interest only and part capital repayment.

Loan-to-value: Approximately 70%

Early repayment charge: Until 30 June 2021

Overpayments: Up to 10% of the outstanding balance can be repaid each year without charge.

The actual rate available will depend on your circumstances. Please ask for a personalised mortgage illustration.

For help to secure a mortgage if you are paid in dollars or deferred shares, call Trinity on 020 7016 0790

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