Our client is an international entrepreneur with ownership interests across several operating companies, generating income through dividends and overseas distributions, supported by a diversified investment portfolio and UK residential property holdings.
While overall wealth was substantial, high-street lenders struggled to assess the complexity of the income streams and applied conservative affordability models that failed to reflect balance-sheet strength and asset diversification.
Million Plus Private Finance engaged a private bank accustomed to multi-jurisdictional income and complex ownership structures, positioning the case around consolidated financials, asset valuations, and income stability rather than isolated salary figures.
A refinancing facility of approximately £3.2 million was arranged against a UK residential asset, aligned to longer-term cashflow expectations. The resulting structure improved liquidity management, reduced refinancing pressure, and preserved asset ownership while remaining proportionate to the client’s wider wealth position.
