Our client is a self employed professional operating as a sole trader, with fluctuating annual income but consistently strong net profits and accumulated investment assets. Despite income variability, the client’s balance sheet demonstrated resilience and surplus liquidity.
Conventional lenders relied heavily on historic income averaging, resulting in restricted borrowing capacity and limited flexibility, despite clear evidence of financial strength.
Million Plus Private Finance positioned the case with a specialist lender able to assess recent performance, asset backing, and repayment sustainability in context. Supporting documentation, valuations, and cash reserves were used to present a balanced affordability profile aligned to the client’s broader financial position.
A mortgage facility of approximately £1.9 million was arranged to support the purchase of a prime residential property, using a tailored repayment profile aligned with projected cashflow. This enabled the client to proceed without compromising liquidity or distorting income, while keeping the borrowing aligned with long-term financial planning.
