For ultra-high-net-worth individuals (UHNWIs), the ability to maximise loan to value ratio (LTV) is central to unlocking greater borrowing capacity. A higher LTV can enhance opportunities in real estate acquisition, business expansion, or portfolio diversification, while carefully structured finance ensures long-term stability.
Understanding what a good LTV ratio is
The LTV ratio represents the proportion of an asset’s value that a lender is prepared to finance. For instance, an 80% LTV on a £5 million property would equate to a £4 million loan with £1 million equity.
But what is a good LTV ratio? The answer varies by investor profile and asset class. Generally, lower LTV ratios are considered less risky and therefore more readily accepted by mainstream lenders. However, for UHNWIs with diversified wealth and strong financial structures, higher LTV ratios can be both attainable and advantageous when accessed through specialist lenders and bespoke advisory.
The current lending environment
The lending environment has shifted since 2020. Despite upward movements in mortgage costs throughout 2023, opportunities remain to access high LTV mortgage solutions. Achieving this requires robust strategies, including:
Leveraging multiple assets: Using several properties, equity portfolios, or alternative assets to strengthen borrowing capacity.
Presenting holistic financial context: Demonstrating future income streams, liquidity events, and long-term stability encourages lenders to approve higher LTV ratios.
Cross-collateralisation: Using multiple properties or assets as collateral to boost the aggregate LTV and diversify financial risk.
Engaging specialist lenders: Institutions outside traditional high street banking often provide bespoke solutions, especially for UHNWIs with cross-border wealth structures.
Interest-only structures: Allowing capital preservation and flexibility for those with liquid investments, provided an exit strategy is in place.
Advanced strategies to maximise loan to value ratio
Beyond traditional methods, UHNWIs often rely on tailored structures to optimise borrowing:
Refinancing existing holdings: Releasing equity from appreciated assets without divestment, providing liquidity for new property opportunities or business ventures.
Declining LTV facilities: Structures where the ratio reduces progressively, either through repayment or increased income, easing initial financial commitments.
Combining diverse asset classes: Offering corporate shares, investment portfolios, and prime real estate together demonstrates depth of wealth, improving access to larger funding pools.
Multi-lender solutions, offshore ownership, and equity release
To further strengthen borrowing positions, strategies may involve multi-lender financing, enabling access to larger facilities across jurisdictions. Offshore ownership structures can enhance privacy and tax efficiency, while equity release allows reinvestment into new opportunities without liquidating existing assets. These approaches are particularly relevant when targeting the best LTV ratio for property investment across European and global markets.
High LTV mortgage solutions with Hectocorn
At Hectocorn, we specialise in bespoke corporate finance advisory for UHNWIs, entrepreneurs, and global business owners. Through our extensive relationships with international lenders, we provide access to high LTV mortgage solutions designed to maximise borrowing power while preserving long-term wealth strategies.
Whether acquiring a Riviera villa, refinancing an existing global property portfolio, or financing a development in central London, we help structure tailored lending solutions that achieve the best LTV ratio for property investment.
Our expertise spans multi-lender strategies, offshore vehicles, and equity release mechanisms, ensuring every client gains an advantage in competitive markets.
To explore how Hectocorn can help you maximise loan to value ratio, contact us at info@hectocorngroup.com.
Maximise Your Borrowing Power with High LTV Finance Strategies
Frequently Asked Questions
Typically, mainstream lenders consider lower LTV ratios safer. However, UHNWIs often secure higher ratios through bespoke financing.
By leveraging multiple assets, using cross-collateralisation, and presenting a comprehensive financial picture to specialist lenders.
Yes. Through cross-border finance and global lender networks, investors can access tailored high LTV structures for international assets.
Equity release from existing holdings allows investors to reinvest into new opportunities without liquidating assets, thereby improving liquidity.
We combine corporate finance expertise, global lender access, and bespoke structuring to deliver the best LTV ratio for property investment.