Our client is an international investor with a diversified portfolio spanning UK residential property, overseas investments, and assets held through offshore structures. Income was generated across multiple jurisdictions, creating complexity in reporting and cashflow assessment. The client sought to refinance an existing high value UK residential property to improve liquidity and align borrowing with broader portfolio management objectives.
Standard lending routes proved unsuitable due to jurisdictional income sources, documentation requirements, and limited appetite for cross-border balance sheets. Million Plus Private Finance structured the case for a private bank by consolidating global asset reporting, clarifying ownership structures, and presenting a lender-ready view of income and net worth. Consideration was given to valuation stability, currency exposure, and long-term repayment alignment.
A refinancing facility of £3.1 million was structured with a tailored repayment profile, providing improved flexibility and balance sheet efficiency. The outcome enabled the client to optimise cashflow, maintain discretion, and realign borrowing within a wider international wealth framework without compromising asset ownership or long-term planning.
