Manor House Mortgage for a High-Net-Worth Entrepreneur

The Story

Fox Davidson was approached by a high-net-worth entrepreneur looking to purchase a Grade II listed manor house in the Cotswolds, valued at £4.5 million. The client, a tech startup founder with fluctuating income wanted a £3 million interest-only mortgage to preserve cash flow for new business ventures.

The Challenge

The property’s historic status meant many lenders were hesitant due to potential maintenance costs and resale risks. The client’s income was complex, primarily derived from irregular dividend payments and carried interest from private equity investments, making affordability assessments difficult. Additionally, the client insisted on a 10-year fixed rate to lock in payments long-term.

The Solution

We secured funding with a private bank lender specialising in high-value, unique properties. They structured a £3.2 million interest-only mortgage at a competitive fixed rate for 10 years, at 66% LTV. Putting together a detailed financial profile, including future dividend projections and liquid assets, we presented a compelling case to lend, one which was accepted by the lenders credit committee. The deal closed within 11 weeks, allowing the client to secure the manor house.

Fox Davidson work with clients to secure funding on property in the UK. We work by phone, email and video. We also have offices in Bristol & London.