- £5m Personal Residence
- £3m Mortgage
- £120k SA302 income
The sums just don’t add up so the computer says NO.
How often do you hear variations of the above conversation? Mantra Capital is run by Entrepreneurs for Entrepreneurs so we understand your world and the issues you face when it comes to raising higher value residential mortgages.
The majority of our clients are self-employed and whilst they generate substantial profits within their core business activity, their drawings policy is restricted to what is needed with an emphasis on tax efficiency. We specialise in cases where our clients have complex income structures.
At Mantra Private Finance, we work with many of the UK’s Private Banks at senior levels and help lenders understand the bigger commercial picture for our client. With mortgage market reforms revolutionising the regulated space, it is increasingly important to use experts in this field who can present and negotiate terms for you as part of your family.
A personal mortgage is the most important financial commitment you’ll make and as you go over the £1m debt size, many of the retail banks don’t have the sophistication nor the expertise to assist. Our Mantra Private Client Directors have been there and done that, and will represent you throughout the process. This is a very bespoke and niche area of financing, with many options available so speak to us about your circumstances and we’ll find you the best solution.