Our client is the majority shareholder and director of a profitable UK-based trading company. While personal PAYE income was relatively modest, significant wealth was held within retained company profits and investment assets. The challenge was that high street lenders focused primarily on salary and dividends, materially restricting borrowing capacity. Despite strong trading performance and a […]

Our client, a high-net-worth property investor, required a £3.1 million mortgage facility to refinance multiple UK properties, including both prime London and regional assets. The objective was to release equity and simplify existing borrowing arrangements. Existing mortgages were fragmented across several lenders, resulting in restrictive terms and administrative complexity. Conventional refinancing routes failed to consider […]

Our client sought a £1.85 million mortgage to acquire a countryside estate in the South of England valued at £2.6 million. The client held multiple UK properties, with income generated through rental portfolios and investment distributions. Standard lenders applied conservative affordability models and valuation assumptions, limiting borrowing due to the regional nature of the property […]

Our client, a UK-based entrepreneur, sought a £2.4 million mortgage to purchase a prime London residence valued at £3.2 million. The client’s income comprised dividends, retained company profits, and investment income, rather than a conventional PAYE salary. Traditional lenders focused narrowly on salary drawings, disregarding retained profits and balance sheet strength. This approach materially understated […]

Being a landlord used to be straightforward. Buy a property, rent it out, deduct your mortgage and expenses, pay tax on what’s left. Simple. Not anymore. Over the past decade, landlord tax changes have fundamentally altered how rental income is taxed, what expenses you can deduct, and how much you’ll ultimately pay HMRC. Many landlords […]

The question hits landlords’ inboxes constantly: should I Airbnb this property or let it long-term? Rising rents make traditional buy-to-let look attractive again. But holiday let nightly rates seem unbeatable. Convert that coastal cottage to short-term stays and watch the income roll in, right? Not quite. Holiday lets vs long term lets isn’t a simple […]