Our client is the majority shareholder and director of a profitable UK-based trading company. While personal PAYE income was relatively modest, significant wealth was held within retained company profits and investment assets.
The challenge was that high street lenders focused primarily on salary and dividends, materially restricting borrowing capacity. Despite strong trading performance and a robust balance sheet, standard affordability models failed to reflect the client’s true financial position.
Million Plus Private Finance structured a private bank mortgage application that presented full company accounts, retained earnings, balance sheet strength, and dividend flexibility. The case was positioned to a private bank experienced in lending to business owners with complex income profiles.
The outcome was a £3.2 million private bank mortgage arranged at a competitive loan-to-value ratio using an interest-only structure. The solution preserved business liquidity while enabling the acquisition of a prime UK residential property aligned with the client’s wider wealth strategy.
