Residential
Landmark Private Clients
Landmark Private Clients is a customised service for ultra-high net worth clients.
At Landmark we have built professional, enduring relationships with private banks and boutique lenders, giving us a broad global client base. This allows us to design a secure, bespoke service to accommodate even the most intricate and demanding ultra-high net-worth asset structures.
Our specialist mortgage team ranks among London’s leading brokers, meeting the unique, sometimes complex, specifications of each client with discretion and confidentiality. Our accomplished team has extensive involvement in this sector. They have established the contacts and knowledge necessary to add real value to any ultra-high net worth portfolio, including those of clients living abroad and those seeking asset protection.
Million Pound Mortgages
The million pound mortgage sector is a constantly evolving one. In obtaining million pound mortgages for our clients, we collaborate with senior underwriters and experienced banking professionals to create enduring startegies. We capitalise on our close relationships with private banks, emerging challenger banks and high street lenders to navigate even the most complex financial situations.
Our in-depth knowledge of this field allows us to focus activity beyond the restrictive rates or caps imposed by numerous mainstream lenders, and to source alternative, more rewarding forms of funding. Our thorough understanding of the intricacies of this market enables us to optimise your assets and source a competitive mortgage perfectly moulded to your needs.
Sub £1,000,000 Mortgages
Landmark Private Finance provides a dependable and comprehensive service for mortgages below £1m.
Adapting our service to the individual specifications of each client allows us to propose options that cover issues such as time sensitivity and unusual income, and enables our clients to take the fullest advantage of this funding source.
Our corporate endorsements, high level performance and client focused ethos have motivated many well-established UK estate agents to nominate us as their preferred brokers. We have considerable experience assisting a diverse clientele to purchase their dream home or investment property.
First Time Buyers
Climbing onto the first rung of the property ladder can be daunting. Landmark Private Finance furnishes first time buyers with the knowledge and information they need to fully appreciate the intricacies of purchasing a property and acquiring a mortgage.
We work with first time buyers on a personal level, sourcing the best solutions for their long term financial security.
We collaborate with lenders who add real value to the complex challenges of the first purchase process, and who understand the specific needs and demands of those new to the property market. Working as your partner throughout, preparing and guiding you, our team is always available to support you as you begin your investment journey.
Low Deposit Mortgages
A low deposit mortgage is an extremely appealing solution to the challenges faced by new buyers taking their first steps on the property ladder.
The team at Landmark Private Finance has supported many clients to successfully obtain low deposit property finance over many years.
We work for you and with you, from exchange of contracts right through to completion and beyond. Should there be any market fluctuations, or should your financial position shift, our advice will actively help you, as new homeowners, to make the best of those changes.
Interest-Only Mortgages
At Landmark Private Finance, our interest-only mortgages provide tactical and flexible finance strategies for many of our clients.
This type of mortgage can be extremely advantageous in certain circumstances. If this option is favourable to your financial situation, we will source unique products from market leaders that match your particular funding requirements and potentially enhance your long-term financial objectives.
Mortgages Incorporating Bonus Income
Bonus income can substantially supplement a client’s total annual earnings and can now be used in calculating income multipliers and serviceability.
It can, however, add a complicated layer of financial administration as it may be delivered as cash, shares or foreign currency.
Landmark Private Finance recognises that the secure, effective integration of these payments into your long-term financial plan is vital. In incorporating this income into your mortgage plan, we pool our own expertise with that of a range of trusted lenders to make certain that this is the best course of action for your financial strategy.
Professional Mortgages
Designed with professionals such as doctors, solicitors, dentists, and other qualifying professions in mind, these mortgages are a specialised option for professionals with universally recognised qualifications, a solid career path and a regular projected income.
This is an excellent choice for those whose reliable career progression presents them with sound opportunities, including an attractive mortgage proposal.
Landmark Private Finance will assess and advise you regarding the suitability of this mortgage for your financial situation. We will then arrange a mortgage plan appropriate to your needs, ensuring that your assets are safe and performing to their fullest potential.
Self-employed / Freelance Mortgages
The recent increase in self-employed and freelance professionals has yet to have an impact on the mainstream mortgage sector. Despite the undoubtedly valuable economic contribution made by this demographic, their financial position traditionally generates uncertainty among lenders.
Landmark Private Finance has a great deal of experience in this field, having secured mortgages for a variety of self-employed clients across a range of industries. We offer mortgages with equitable, competitive rates that correspond with the personal, professional and financial plans of self-employed individuals.
Contractor Mortgages
Contractors often occupy an unusual financial position, one that we at Landmark Private Finance fully understand.
Throughout our years of involvement in the property investment industry we have created specifically tailored financial guidance for a number of contractors. Taking into account future projections, fixed term contractor day rates and present requirements, we source mortgages appropriate to even the most complex needs.
Foreign National Mortgages
Among our specialist services at Landmark Private Finance, we provide foreign nationals with a mortgage plan that caters to the very specific requirements of foreign nationals living in the UK.
Our comprehensive understanding of this particular sector allows us to easily navigate the many variables that can affect this procedure.
We make sure that your application contains the precise information that will result in a frictionless process. We can also arrange mortgages in other currencies, providing an effective strategy that reduces the stress associated with such an intricate operation.
Expat Mortgages
Several of our clients are expats and as such encounter a very specific set of challenges when applying for a mortgage.
Living abroad often entails navigating time zones, and a range of different legislation and complicated bureaucracy that can prove exceptionally challenging.
We at Landmark Private Finance are able to offer our clients an elegant package that works in harmony with their particular requirements. By employing a process that we have refined over time we ensure that your mortgage plan will be engineered precisely to meet the needs of your location.
Offshore Mortgages
Offshore mortgages can be an effective means of obtaining a mortgage for foreign nationals in the UK or for UK nationals living abroad.
Applying for an offshore mortgage can be a very involved and complicated process. It involves an array of tax implications that must be carefully considered and factored into the mortgage costs.
Landmark works in synch with your time zone requirements to create an overarching service that brings together every aspect of your mortgage application. Our expertise in this field offers you a frictionless offshore mortgage application.
Help To Buy
Help to Buy is a government funded scheme that supports new buyers to gain access to the property ladder for the first time.
This scheme can be a great advantage to young professionals in this situation.
At Landmark Private Finance we use our expertise to give advice that guides you through this process. Once we have determined that this scheme is suitable for you, we will ensure that you successfully obtain funding for this vital first step in becoming a property owner.
Remortgage
A residential remortgage can offer homeowners many advantages, although this is very much dependent on the specific requirements of each individual case.
This valuable addition to the Landmark Private Finance portfolio allows clients greater access to competitive lenders and the means to borrow greater amounts.
Our considerable understanding of the remortgage market enables us to assess your financial situation and suitability for this type of finance. We will then analyse a number of proposals from a variety of trusted lenders who can arrange either a markedly more competitive repayment package, or a plan for the productive release of more capital.
You may have to pay an early repayment charge to your existing lender if you remortgage.
Think carefully before securing other debts against your home. Your property may be repossessed if you do not keep up repayments on your mortgage. Changes in the exchange rate may increase the sterling equivalent of your debt.
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