A finance executive with significant equity holdings required a seamless refinancing solution on a UK investment property portfolio. Traditional lenders raised concerns related to cross-border income streams and international residency arrangements, resulting in slow progress and restrictive terms.
Million Plus Private Finance took a strategic approach by shifting the primary focus away from direct income affordability toward the client’s substantial securities portfolio, which included major US equities and high-grade exchange-traded funds. This allowed us to position the collateral as a strong, liquid asset base to support lending at scale.
We secured a £3m Lombard loan with hybrid repayment flexibility, allowing interest-only periods during low rental seasonality and aligned cashflow planning. Multi-jurisdiction title and compliance complexities were managed on behalf of the client to ensure a streamlined operating structure with a private banking partner familiar with cross-border lending.
The refinancing closed within four weeks, preserving the client’s exposure to long-term equity growth while eliminating the delays and friction of traditional mortgage underwriting. The client enhanced investment leverage across both property and portfolio assets while maintaining optimal tax positioning.
