Our client is the majority shareholder of a profitable UK-based trading business with substantial retained profits held on the company balance sheet, alongside personal investment assets and a modest PAYE salary. Overall wealth was significant, but income was intentionally structured to support business growth and capital efficiency rather than maximised personal drawings.
Conventional lenders assessed affordability almost exclusively on drawn income, materially limiting borrowing capacity and proposing inflexible repayment terms that would have required inefficient extraction of funds from the business and reduced operational liquidity.
Million Plus Private Finance positioned the case with a specialist lender experienced in assessing company balance sheets, profit sustainability, and asset quality alongside personal income. Company accounts, valuations, and cashflow profiles were presented to support a facility aligned with the client’s wider financial position.
A residential mortgage of approximately £2.6 million was arranged against a prime UK property, structured with an interest-only repayment profile. This preserved liquidity within the operating business, avoided unnecessary tax exposure, and enabled property acquisition while maintaining long-term balance-sheet alignment.
