Our client is the majority shareholder of a profitable UK-based business with significant retained profits and a diversified investment portfolio, including commercial property and liquid assets. While acquiring a prime UK residential property valued at just over £4 million, the client required a borrowing structure that preserved liquidity and avoided unnecessary pressure on personal income. Conventional lenders focused primarily on salary and dividend drawings, creating inflexible repayment assumptions that did not reflect the client’s wider balance sheet strength.
Million Plus Private Finance positioned the case through a private bank, presenting the client’s retained earnings, asset quality, and overall liquidity profile. Valuation and repayment considerations were aligned with longer-term capital planning. An interest-only mortgage facility of £2.6 million was structured against the residential asset, with repayments aligned to anticipated future liquidity events.
The outcome preserved working capital within the business, maintained ownership of investment assets, and supported a more efficient balance-sheet position while retaining flexibility and control.
