High Income Clients Achieving 90 Ltv On A Large Detached Property

The clients:
A professional couple relocating to the UK approached us to secure funding for their new home purchase. Both clients were foreign nationals on Tier 2 visas and were looking to borrow at a high loan-to-value to support their move.

The challenge:
Securing 90% LTV borrowing at higher loan amounts can be difficult, particularly for clients on visa-based residency, as many lenders either restrict lending at 90% or reduce maximum loan sizes.
Affordability also presented complexities, with required borrowing exceeding five times income, meaning bonus income needed to be considered. To support long-term planning, the clients also required lending structured up to age 75.

Key objectives:

· Access a competitive 90% LTV mortgage

· Secure lending above standard high-street LTV loan caps

· Ensure bonus income was fully accepted for affordability

· Obtain a longer mortgage term to manage repayments

· Keep product fees transparent and manageable

The solution:
Following a detailed review of income, employment stability and visa documentation, we identified a high street lender willing to consider Tier 2 visa applicants, include bonus income, exceed standard LTI limits and lend up to age 75 all at 90% LTV.
This provided access to competitive mainstream pricing without relying on specialist lenders.The outcome:

The clients successfully obtained a mortgage offer on their new home with the following facility:

· Loan amount: £765,000

· Purchase price: £850,000

· Interest rate: 4.25% fixed

· Term: 30 years

· Monthly repayment: £3,767.14

· Arrangement fee: £999

· LTV: 90%

This case illustrates how strategic lender selection can unlock high-LTV, high-loan mortgage options for Tier 2 visa holders even where many lenders would decline. By navigating policy and affordability criteria effectively, we secured a strong, competitive outcome aligned with the clients’ objectives.