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Securing a £20m Private Bank Mortgage for a Complex International Client

 

 

When traditional lenders couldn’t accommodate the structure, this transaction required direct access to private banks, careful positioning, and a fully coordinated strategy across multiple jurisdictions.

At this level, lending decisions are driven by asset strength and global income – not standard affordability models. 

This transaction was personally arranged by Luther Yeates prior to founding Orton Financial and reflects the experience now delivered through the firm.

 

The problem

 

At £20M+, the mortgage market changes completely.

This wasn’t a case of:

  • affordability calculators
  • standard underwriting
  • or mainstream lenders

Instead, the challenge was:

  • finding a private bank willing to take a large single-asset position
  • presenting complex international income in a format they would accept
  • structuring the deal without forcing the client to liquidate assets or move capital unnecessarily

 

    What Made This Difficult 

     

    Most brokers never operate at this level.

    That matters, because:

    • lender appetite becomes relationship-driven
    • structuring becomes as important as the property itself
    • and small details can determine whether a deal is approved or declined

    Without the right positioning, this case would likely have failed at credit stage.

     

    How We Structured It

     

    Rather than forcing the deal into a standard model, we built it around the client:

    • Reframed their income across multiple jurisdictions into a structure the lender could underwrite
    • Identified private banks with appetite for £20M+ lending
    • Negotiated a 65% loan-to-value structure — above typical expectations at this level
    • Arranged an interest-only facility aligned to liquidity and capital planning
    • Delivered the transaction without requiring assets under management

    The Outcome

     

    • £20M purchase completed
    • 65% LTV achieved
    • Private bank terms secured
    • Full flexibility retained on the client’s wider assets

    More importantly:

    The client was able to proceed without restructuring their global finances to fit a lender’s model.

     

     

     

    Work With Us

     

    Orton Financial advises high-net-worth and ultra-high-net-worth clients on large mortgage and structured lending transactions (£1M – £20M+).

    Led by Luther Yeates, the firm specialises in:

    • Complex income structures
    • Private bank lending
    • International and offshore arrangements

    We do not operate as a volume brokerage. Engagements are handled on a discretionary, advisory-led basis.

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