M
MillionPlus
Available now
How can we help?
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
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
MillionPlus Journal
Market intelligence, case studies and expert commentary on property, luxury asset finance, crypto-backed lending and private wealth.
Loan-to-value ratios for this multi-asset facility were assessed based on the mix of underlying digital assets, approved custody structures, jurisdiction, and market conditions at the time of execution. Conservative collateral buffers and monitoring arrangements were implemented to manage volatility across multiple cryptocurrencies, with terms structured to align with the client’s acquisition timeline and wider financial […]
Loan-to-value ratios for this facility were structured with reference to the stablecoin-led collateral profile, approved custody arrangements, jurisdiction, and prevailing market conditions. Collateral buffers and monitoring frameworks were agreed to ensure stability throughout the loan term, with final terms set in advance to support the client’s diversification strategy while preserving long-term digital asset positions. Our […]
Loan-to-value ratios for this facility were determined based on the composition of the client’s cryptocurrency portfolio, approved custody arrangements, jurisdiction, and prevailing market conditions. Given the exposure to Bitcoin and Ethereum, conservative collateral buffers and ongoing monitoring frameworks were agreed to manage digital asset volatility, with final terms structured in advance to support the client’s […]
Our client, a British expatriate working internationally as a senior consultant, required a UK expat mortgage to purchase a prime UK property valued at £4.8 million. Although the client continued to live and work abroad, the property was intended as a long-term family base and investment within their wider wealth strategy. The client’s income was […]
Our client, a British expatriate living overseas, approached Million Plus Private Finance to arrange a UK expat mortgage for the purchase of a new family home. The client was self-employed, already owned a UK property, and wished to retain this property so their daughter could continue living there. At the same time, they wanted to […]
Our client, a British expatriate living and working in Asia, wanted to purchase a luxury residence in London valued at £12 million. With income spread across several international sources and currencies, our client found that traditional UK lenders were unwilling to support his application. Despite a strong asset base and a proven track record of […]
Our client is a UK national residing overseas, with income derived from international business interests and diversified investment portfolios held across multiple jurisdictions. The challenge was that cross-border income, foreign currency earnings, and overseas tax documentation placed the application outside standard retail lending criteria. Currency exposure and jurisdictional complexity required specialist structuring. Million Plus Private […]
Our client is a senior professional with a high base salary supported by annual bonuses and long-term incentive income. While overall earnings were strong, income fluctuated year to year. The challenge was that retail lenders discounted a substantial portion of variable income, limiting borrowing potential and restricting repayment structure options. The client required flexibility to […]
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 […]
Rent increases cause genuine anxiety for tenants. You’re settled in your home, managing your budget, then a letter arrives proposing higher monthly payments. Can your landlord actually do this? Do you have any say in the matter? For landlords, rent increases are equally contentious. Property costs rise—mortgages, maintenance, insurance, regulations. Raising rent feels justified. But […]
Don’t pay off your mortgage. Yes, that’s right. Most people in the UK think the smartest thing they can do is pay off their mortgage as quickly as possible—overpaying monthly, throwing bonuses at the balance, celebrating the day that final payment clears. But what if I told you that the biggest mortgage lie you’ve been […]
Our client, an investor with a growing aviation portfolio, sought to finance the acquisition of two additional private jets totaling $25 million. The client required a solution that combined multi-aircraft financing with cross-border structuring to accommodate international asset holdings. Million Plus Private Finance assessed the client’s complete financial position, including high-value real estate, securities, and […]
Our client, a corporate executive with an expanding business network, required a $4.5 million lease to access a mid-sized jet for frequent domestic and international travel. Traditional leasing options were limited due to the client’s multiple business interests and complex personal financial profile. Million Plus Private Finance presented the client’s combined corporate and personal assets […]
Our client, a high-net-worth entrepreneur with international business operations, needed a $12 million loan to purchase a new long-range private jet. Traditional lenders hesitated due to the client’s multi-jurisdictional income streams, diversified holdings, and complex asset structure. Million Plus Private Finance conducted a comprehensive review of the client’s financial profile, including corporate earnings, investment portfolios, […]
Our client, a high-net-worth collector, sought financing to acquire a super yacht and fund simultaneous purchases of rare collectible vehicles and fine art. The client’s assets were spread internationally, requiring a multi-jurisdictional lending solution that accommodated complex holdings and multiple asset types. Million Plus Private Finance structured a combined facility including the super yacht, classic […]