Our client was an asset-rich individual in their early seventies holding multiple unencumbered UK residential properties alongside a diversified investment portfolio. Income was intentionally modest, reflecting lifestyle choice rather than financial constraint, which limited access to conventional mortgage products.
Traditional equity release options were misaligned with the client’s objectives, offering limited flexibility and reduced long-term control. Standard income-led affordability models failed to reflect the underlying asset strength of the client’s position.
Million Plus Private Finance positioned the case with a specialist later life lender, focusing on overall net worth, property quality, and prudent loan-to-value metrics rather than income alone. The repayment profile was structured to maintain balance sheet stability and future optionality.
A later life lending facility of £650,000 was arranged against a £2.8 million residential property. The outcome delivered controlled access to liquidity, preserved asset ownership, and aligned seamlessly with the client’s wider wealth and succession planning framework.
