Our client is the majority shareholder and director of a profitable UK-based trading company, with personal wealth primarily held in retained business profits and a prime London residential property owned outright. Day-to-day income was modest relative to overall net worth, with surplus capital deliberately retained within the business to support future growth and investment.
The challenge arose when the client sought to refinance their existing borrowing. High street lenders assessed affordability almost entirely on PAYE income and dividends, materially limiting available options and offering inflexible repayment terms that did not reflect the client’s true financial position or balance sheet strength.
Million Plus Private Finance positioned the remortgage through a private bank accustomed to lending to entrepreneurial clients. Full company accounts, retained earnings, and asset quality were presented alongside a structured view of liquidity and long-term income sustainability. Valuation considerations and repayment alignment were integrated into the lender narrative to support a flexible facility.
The outcome was a £4.1 million private bank remortgage structured on an interest-only basis. This preserved business liquidity, improved personal cashflow efficiency, and aligned the property financing with the client’s wider wealth strategy rather than constraining it.
