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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.
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MillionPlus Journal
Market intelligence, case studies and expert commentary on property, luxury asset finance, crypto-backed lending and private wealth.
An international investor with a diversified property portfolio sought to refinance an existing UK asset while maintaining exposure to US dollar income streams generated from overseas investments. The client’s priority was to improve cashflow alignment without compromising long-term ownership. Sterling-only remortgage options introduced currency friction and inflexible repayment terms, creating inefficiencies within the wider balance […]
A family office managing assets across Europe and the Middle East required mortgage finance to support a UK residential acquisition. The family’s balance sheet was predominantly denominated in foreign currencies, with sterling exposure deliberately limited as part of long-term capital planning. Conventional lenders were unable to support the structure due to currency denomination, asset complexity, […]
A senior international executive earning the majority of their income in euros sought to acquire a prime UK residential property. Their wider financial position was structured across international investments and retained earnings from overseas businesses, with limited exposure to sterling income. Conventional lenders were unable to accommodate the currency profile or assess affordability beyond standard […]
A UK-based family office managing a multi-asset portfolio held a museum-quality art collection representing a meaningful proportion of overall net worth. The family sought liquidity for private equity deployment while avoiding personal guarantees or dilution of ownership. Million Plus Private Finance positioned the case to a specialist lender experienced in art-backed lending, using a carefully […]
Our client holds a diversified international portfolio spanning commercial property, financial investments, and fine art located in London and Geneva. Liquidity was required to support a commercial real estate opportunity while maintaining existing asset positions and overall portfolio alignment. Standard lenders were unable to accommodate the cross-border nature of the assets or the client’s income […]
Our client is a long-established private collector with a substantial contemporary art portfolio accumulated over more than two decades. While overall net worth was significant, a large proportion of wealth was concentrated in fine art and investment assets, resulting in limited immediate liquidity. The client wished to acquire a prime London residence without selling culturally […]
A UK based family office managing a diversified portfolio of real estate and investment assets sought funding for multiple prestige vehicles as part of a wider lifestyle and asset planning strategy. Vehicle-based lending was considered inefficient and unnecessarily restrictive. Million Plus Private Finance worked with a private bank to structure a bespoke facility aligned with […]
Our client is a high-net-worth individual with a long-standing collector vehicle portfolio, including classic and limited-production cars held outright. While asset-rich, a large proportion of wealth was tied up in non-income-producing assets, limiting flexibility when new investment opportunities arose. Rather than selling vehicles or disrupting long-term ownership plans, the client sought to release liquidity. Standard […]
Our client is the founder and majority shareholder of a profitable UK-based business with significant retained earnings and a growing investment portfolio. While personal PAYE income was modest, overall net worth was substantial. The objective was to acquire a limited-production Ferrari while preserving liquidity for continued business expansion. Dealership finance and high street lenders focused […]
Our client is a UK-based family office managing a multi-asset portfolio, including residential rental properties and alternative investments. The objective was to refinance a portfolio of buy to let townhouses while releasing capital for future acquisitions. High street lenders struggled with the complexity of the portfolio, applying fragmented facilities and restrictive repayment terms that did […]
Our client is a high-net-worth expatriate investor based in the Middle East, holding UK rental assets through a special purpose vehicle. The proposed acquisition was a mixed-use residential block in a regional UK city, intended as a long-term income-producing investment. Non-UK residency, SPV ownership, and international income streams limited options with traditional buy to let […]
Our client is a UK-based entrepreneur with a diversified portfolio of residential investment properties and commercial assets. Personal PAYE income was modest relative to overall wealth, with capital largely held in property equity and investment accounts. The client sought to acquire a prime London buy to let property as part of a long-term portfolio strategy. […]
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 […]
Property sits at the core of generational wealth planning. For high-net-worth individuals and families, residential and commercial property represents both tangible security and strategic opportunity—assets that appreciate, generate income, and can be structured for long-term tax efficiency. How the wealthy use property to reduce tax isn’t about evasion or aggressive schemes. It’s about early planning, […]
Our client was a high-net-worth business owner with operations and assets located in the UK and overseas. The business operated across multiple jurisdictions with differing regulatory requirements and risk profiles. Existing insurance solutions lacked coordination and did not provide sufficient clarity or consistency of cover across international operations. Million Plus Private Finance advised on and […]