Whether you’re looking for a mortgage to buy a dream home or you are investing in property to rent we can help you secure mortgages over £1million.
Thanks to our experience with diverse London-based clients AJM Financial can identify suitable options. We can advise you about bespoke mortgage and protection packages to suit your financial position and accommodate your income structure and country of residence.
AJM Financial has access to the whole of the UK lending market, so you can be confident the recommendations you receive will be based on comprehensive knowledge and experience of the options available for you.
We have built strong relationships with lenders who can take a flexible approach. Mortgages are available for up to five times your income, subject to your financial position. Our panel of lenders is happy to consider affordability for high net worth individuals based on a wide range of criteria such as your pension, investments, income overseas and your other assets.
Mortgages to meet your requirements
With plenty of experience of large mortgages up to 95% loan to value (LTV), we understand that you want your financial arrangements to make the best use of your resources.
We take a straightforward approach to income and wealth management and can include a wide variety of options such as interest only mortgages, finance solutions for landed estates, and short-term finance.
Are you looking for a £1million buy-to-let mortgage*?
Larger deposits are often required for high-value buy-to-let mortgages* because they are considered as high risk, although this might depend on your circumstances.
While a buy-to-let mortgage is usually based on your expected rental income some buy-to-let lenders will use ‘top-slicing’ to decide the amount you can borrow. They will consider your personal income, including your salary and bonuses, in their assessment of whether you can top up any shortfall in rent.
Things to think about
The amount you provide as a deposit will make a significant difference to the interest payments you will make. You will want to balance this with the other ways you might wish to use your capital.
Some lenders take a ‘sliding scale’ approach to the maximum loan amount, depending on how much you intend to borrow.
*The Financial Conduct Authority do not regulate buy to let mortgages.