Our client is an internationally based investor with a diversified asset base, including UK residential property, overseas real estate holdings, and foreign currency investment income. The UK property had significant embedded equity and was held as part of a broader cross-border wealth structure.
Conventional lenders struggled to assess the case due to currency exposure, overseas income streams, and jurisdictional complexity. Standard remortgage products failed to accommodate the client’s financial profile, often applying conservative assumptions that reduced borrowing potential and limited structural flexibility.
Million Plus Private Finance structured the remortgage through a private bank experienced in international client lending. Global income was assessed holistically, with appropriate currency treatment and asset valuation support. The case was positioned to align repayment expectations with long-term investment objectives rather than short-term affordability metrics.
A £6.5 million private bank remortgage was completed using a hybrid repayment profile. The facility enhanced liquidity while maintaining asset ownership, providing the client with capital flexibility and a financing structure consistent with their international wealth planning strategy.
