{"id":16002,"date":"2024-11-21T09:38:52","date_gmt":"2024-11-21T14:38:52","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/?p=16002"},"modified":"2024-11-21T09:38:53","modified_gmt":"2024-11-21T14:38:53","slug":"case-study-buying-a-second-home-with-a-personalised-mortgage","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/case-study-buying-a-second-home-with-a-personalised-mortgage","title":{"rendered":"Case study: Buying a second home with a personalised mortgage"},"content":{"rendered":"\n

Many individuals, such as business owners and entrepreneurs, corporate executives, or those working in private equity, have complex financial profiles where their income is not always an accurate representation of their wealth and assets.<\/p>\n\n\n\n

Depending on their role, a person’s wealth can be tied up in various ways, from stock holdings to carried interest. That means when it comes to securing a mortgage, it can be tricky to get a solution that meets an individual’s specific needs.<\/p>\n\n\n\n

The following case study highlights how RBC supports our clients with complex wealth profiles to secure personalised mortgages, enabling them to buy their dream home.<\/p>\n\n\n\n

The client<\/strong><\/h2>\n\n\n\n

Sarah is the founder of a UK venture capital firm and lives in West London with her husband and children. She pays herself a salary from the fees taken from the company fund and receives carried interest, making her a high-net-worth individual with sophisticated financial needs.<\/p>\n\n\n\n

The challenge<\/strong><\/h2>\n\n\n\n

Sarah and her husband want to purchase a property in the Kent countryside and take out an interest-only regulated mortgage for \u00a37 million.<\/p>\n\n\n\n

Sarah is looking for a bank that:<\/p>\n\n\n\n

    \n
  • Fully understands her income and carry requirements, and has experience in lending to others in a similar position to her<\/li>\n\n\n\n
  • Can provide credit approval and indicative terms for an interest-only mortgage at a competitive rate within a 30-day timeframe<\/li>\n\n\n\n
  • Can provide financial protection arrangements for their children, should anything happen to her and her spouse<\/li>\n<\/ul>\n\n\n\n

    Sarah and her husband are introduced to a mortgage broker who’s familiar with the lending services RBC provides to our private equity professionals. She wants both herself and her husband to be involved in the decision-making process.<\/p>\n\n\n\n

    Our solution<\/strong><\/h2>\n\n\n\n

    Familiar with the needs of private equity clients, our credit team worked closely with Sarah, her husband and their RBC relationship manager to understand their situation and craft a tailored mortgage solution that met their specific needs within the 30-day timeframe:<\/p>\n\n\n\n

      \n
    • Loan-to-value ratio:<\/strong> 60 percent<\/li>\n\n\n\n
    • Term:<\/strong> Five years, revolving facility<\/li>\n\n\n\n
    • Arrangement fee:<\/strong> 0.5 percent<\/li>\n\n\n\n
    • Spread:<\/strong> 1.45 percent over base rate<\/li>\n\n\n\n
    • Discount covenant:<\/strong> 0.2 percent discount where wider liquidity held with RBC equivalent to 50 percent of the loan amount, bringing the margin down to 1.25 percent<\/li>\n<\/ul>\n\n\n\n

      As a revolving loan, the solution allows them to pay down when they have surplus liquidity and re-draw when they need the funds.<\/p>\n\n\n\n

      Our Wealth Planning team also arranged a life insurance policy for Sarah and her husband, providing them peace of mind knowing their loved ones will be protected in case of any unforeseen circumstances.<\/p>\n\n\n\n

      Flexible mortgage solutions built around your needs<\/strong><\/h2>\n\n\n\n

      Many individuals are time challenged like Sarah, and that\u2019s why our solutions are focussed on reducing the administrative burden associated with our clients’ wealth. Our priority is to save our clients’ time, maximise their wealth creation and protect their assets so they can focus on what matters most.<\/p>\n\n\n\n

      <\/p>\n","protected":false},"excerpt":{"rendered":"

      How bespoke lending solutions can help individuals with sophisticated financial profiles secure additional property.<\/p>\n","protected":false},"author":22,"featured_media":16004,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[178,367],"tags":[622,368,142],"rbcwm_content_owner":[],"rbcwm_need":[110],"rbcwm_segment":[97],"rbcwm_solution":[99,119],"rbcwm_topic":[315,109],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-16002","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-case-study","category-real-estate","tag-mortgage","tag-real-estate","tag-wealth-planning","rbcwm_need-grow","rbcwm_segment-individuals-and-families","rbcwm_solution-investments","rbcwm_solution-wealth-planning","rbcwm_topic-real-estate","rbcwm_topic-your-wealth"],"acf":{"rbcwm_subtitle":"How bespoke lending solutions can help individuals with sophisticated financial profiles secure additional property.","rbcwm_post_author":"","rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":"","perspective_disclaimer":"","expandable":"","omit_from_pages":[],"disclaimer_footnote":"\r\n\r\nRisk warning: <\/strong>This does not constitute legal, accounting, tax, or individually tailored investment advice, and we recommend you seek independent advice if you are unsure if this product is suitable for you. All loans are subject to your financial circumstances and borrowing history at the time you apply. Your home may be repossessed if you do not keep up repayments on your mortgage.<\/em>\r\n\r\n"},"rbcwm_insight_cta_id":[8231],"rbcwm_pagination":{"next_link":"","next_link_text":"Next article","previous_link":"","previous_link_text":"Previous article"},"rbcwm_video_duration":"","article_time":"","rbcwm_enable_toc":false,"rbcwm_toc_selector":"h2"},"yoast_head":"\nCase study: Buying a second home with a personalised mortgage<\/title>\n<meta name=\"description\" content=\"How bespoke lending solutions can help individuals with sophisticated financial profiles secure additional property.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/case-study-buying-a-second-home-with-a-personalised-mortgage\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" 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