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MillionPlus
Whether you are looking to buy, sell, or finance a luxury asset, our team is here to assist. Tell us what you need.
Powered by MillionPlus AI · Privacy Policy
MillionPlus Journal
Market intelligence, case studies and expert commentary on property, luxury asset finance, crypto-backed lending and private wealth.
While super-prime London still attracts global wealth, the £1m–£10m buyer is increasingly heading for the country Prime London property has hit a soft patch, and it’s not just political noise or tax threats behind the slowdown. According to Paul Welch, founder of Million Plus Private Finance, affluent buyers in the £1m–£10m range are prioritising space, lifestyle and value, pushing demand beyond the […]
You’ve had your offer accepted, exchanged contracts are in sight, and then your mortgage lender delivers unexpected news: their valuation has come in below the asking price you’ve agreed to pay. If you’re feeling frustrated, confused, or worried about your purchase falling through, you’re not alone. Down valuations are more common than most buyers realize, […]
Discovering that your dream property won’t qualify for a mortgage can derail a purchase in devastating fashion. Whilst most UK properties meet standard lending criteria, certain characteristics make properties either temporarily or permanently unmortgageable through mainstream lenders. Understanding what triggers mortgage rejection before you commit to purchase protects you from wasted survey fees, aborted transactions […]
The British coastline has never been more appealing to property buyers. Remote working, lifestyle reassessment and the search for better value outside major cities have transformed coastal towns from retirement destinations into genuine alternatives for families, professionals and investors alike. But “best” depends entirely on what you’re looking for. Premium locations with established infrastructure command […]
Our client was an international property investor with an established portfolio of high-quality real estate and operating assets across Europe. They sought financing for the acquisition of a luxury alpine resort in Switzerland, positioned as a long-term lifestyle and investment asset with strong seasonal income characteristics, while preserving liquidity across the wider portfolio. Million Plus […]
The client was an internationally mobile executive with income derived from multiple jurisdictions and assets held across several currencies. They sought financing for an overseas investment property in the United States. Conventional lending frameworks struggled to accommodate the client’s income structure and global exposure. Million Plus structured the case around the client’s consolidated balance sheet […]
The client was a UK-based entrepreneur with substantial retained profits and a diversified international investment portfolio. They were acquiring a prime residential property in Southern Europe intended as a long-term family asset. Local lending options were limited in their ability to assess the client’s wider balance sheet and international income profile. Million Plus Private Finance […]
Our client was a rural estate owner with agricultural land, let residential property, and commercial units held across multiple entities. Income was fragmented and retained within operating structures, making traditional affordability assessments restrictive. The requirement was to refinance existing borrowing and fund estate improvements without disrupting operational cashflow. Million Plus Private Finance coordinated valuations across […]
An asset-rich landowner held agricultural land alongside development-adjacent plots and international investments. Income was largely investment-led, with minimal reliance on farming turnover. Conventional farm mortgage providers were unable to accommodate the client’s structure or long-term repayment preferences. Million Plus Private Finance engaged a private bank lender, positioning the agricultural assets as part of a broader […]
The client was a multi-generational farming family holding several hundred acres of agricultural land, with additional commercial and residential assets held within a family structure. Income was diversified across farming operations, land leasing, and retained profits, creating complexity for traditional agricultural lenders focused on operating income alone. The client required liquidity to consolidate existing borrowings […]
The borrower was the owner of a long-established UK manufacturing business seeking to acquire its trading premises following the expiration of a long-term lease. The property value was approximately £3.4 million, and the borrower required a commercial mortgage structure that avoided excessive amortisation and preserved cash within the operating business. Standard commercial mortgage routes focused […]
The borrower was a UK-based commercial landlord holding a diversified portfolio of regional industrial and office assets, with a focus on stable, income-producing properties. The requirement was to refinance a multi-let commercial building valued at approximately £4.6 million in order to consolidate existing facilities and improve cashflow efficiency. High-street commercial lenders assessed the asset using […]
The borrower was an experienced UK hotel operator acquiring a freehold boutique hotel with fewer than 30 keys in a prime regional location. The purchase price was approximately £5.2 million, with trading history supported by stable occupancy and consistent EBITDA. The borrower required commercial property finance that recognised trading performance and asset quality, rather than […]
A family office managed a multi-property residential portfolio as part of a wider investment and intergenerational planning structure. Existing facilities lacked flexibility and did not align with long-term stewardship objectives. Million Plus Private Finance reviewed the portfolio’s asset composition, income profile, and governance framework. We structured a portfolio-level facility with measured leverage and a repayment […]
The client held a UK residential portfolio alongside international property and investment assets. Legacy borrowing arrangements were restrictive and did not reflect the scale or diversification of the wider asset base. Million Plus Private Finance assessed the UK portfolio in the context of the client’s overall balance sheet, including cross-border income and asset exposure. We […]
Client: Private Landlord | Greater London Our client held a portfolio of residential investment properties across London, accumulated through multiple acquisitions over time. Existing borrowing was fragmented across individual properties, limiting flexibility and increasing administrative complexity. Million Plus Private Finance reviewed the portfolio holistically, assessing aggregate value, rental income, and long-term performance. We structured a […]
The family office sought a private lending solution aligned with long-term capital preservation and intergenerational planning. Existing borrowing arrangements lacked flexibility and did not reflect the scale or composition of the underlying asset base. Million Plus Private Finance reviewed the family office’s property holdings, investment assets, and governance structure. We structured a private lending facility […]
Our client required UK-based liquidity supported by overseas assets held across multiple jurisdictions. Cross-border income sources and asset locations created complexity that standard lenders were unable to accommodate within conventional underwriting frameworks. Million Plus Private Finance coordinated a full review of the client’s international holdings, income streams, and existing liabilities. We positioned the case with […]
Our client required a flexible private lending facility to support liquidity needs across a diversified balance sheet comprising UK residential property, listed investments, and private business interests. Income flows were irregular due to reinvestment and international exposure, making conventional lending routes unsuitable. Million Plus Private Finance undertook a detailed review of the client’s asset base, […]
A UK-based family office managing a multi-generational portfolio sought funding to support the acquisition of a countryside estate while retaining flexibility across existing property and investment holdings. The family’s wealth was held across operating businesses, real estate, and financial assets, with ownership structures designed to support long-term stewardship rather than short-term liquidity events. Conventional lenders […]