Our client is an asset-rich individual with a diversified portfolio comprising UK residential property, overseas real estate, and liquid investments held across multiple jurisdictions. Approaching later life, the client sought to release capital to support estate planning objectives without selling core assets or restructuring long-held investments. High-street lenders applied restrictive age-based criteria and capital repayment requirements that conflicted with the client’s broader planning priorities.
Million Plus Private Finance positioned the case with a specialist lender, focusing on asset values, liquidity coverage, and long-term sustainability. Property valuation, legal structure, and repayment alignment supported a lifetime interest-servicing profile. A retirement interest-only mortgage of £1.9 million was arranged against a prime UK residence.
The structure maintained occupancy and ownership while unlocking capital efficiently and preserving the wider balance sheet.
