Our client is a UK-based homeowner living in a high-value residential property that had appreciated significantly since purchase. The property was owner-occupied and held as a long-term family home, with a conventional repayment mortgage arranged several years earlier. As the fixed-rate period approached expiry, the client wished to remortgage to secure improved terms and reduce […]

Our client is an internationally based investor with a diversified asset base, including UK residential property, overseas real estate holdings, and foreign currency investment income. The UK property had significant embedded equity and was held as part of a broader cross-border wealth structure. Conventional lenders struggled to assess the case due to currency exposure, overseas […]

Our client is the majority shareholder and director of a profitable UK-based trading company, with personal wealth primarily held in retained business profits and a prime London residential property owned outright. Day-to-day income was modest relative to overall net worth, with surplus capital deliberately retained within the business to support future growth and investment. The […]

If you’re approaching the end of your current mortgage deal, you’ve probably asked yourself this question more than once. The decision between fixing your mortgage rate now or waiting for a potentially better deal can feel overwhelming, particularly during periods of rate uncertainty. The truth is there’s no single answer that works for everyone. What […]

Choosing between a tracker and fixed rate mortgage represents one of the most important financial decisions homebuyers face. Get it right and you’ll save thousands whilst maintaining comfortable monthly payments. Get it wrong and you’re either locked into rates above market levels or exposed to payment shocks when interest rates rise. There’s no universally correct […]

The terms “prime” and “super-prime” appear frequently in luxury property marketing, often used interchangeably or without clear definition. This creates confusion for buyers navigating the upper end of residential markets. The distinction matters. Prime vs super prime property represents fundamentally different asset classes with distinct buyer profiles, market behaviours, and investment characteristics. Understanding where these […]