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 […]