A senior international executive earning the majority of their income in euros sought to acquire a prime UK residential property. Their wider financial position was structured across international investments and retained earnings from overseas businesses, with limited exposure to sterling income.
Conventional lenders were unable to accommodate the currency profile or assess affordability beyond standard sterling-based income models. Repayment flexibility was also limited, creating misalignment between borrowing obligations and income denomination.
Million Plus Private Finance positioned the case through a private bank by presenting the client’s full balance sheet, focusing on asset quality, income sustainability, and liquidity strength. Currency alignment was considered alongside property valuation and long-term ownership objectives.
A foreign currency mortgage facility was arranged at a high level against the property, aligning repayments with euro-denominated income. The structure reduced unnecessary currency conversion, preserved liquidity, and integrated the borrowing into the client’s broader international financial framework.
