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 sheet. Conventional lenders were unable to assess the case beyond standard affordability models.
Million Plus Private Finance structured the refinancing through a private bank, presenting the asset and income profile in the context of the client’s overall financial position. Property performance, income stability, and asset diversification were central to lender assessment.
A foreign currency mortgage facility was arranged, improving repayment alignment with US dollar income and enhancing balance-sheet efficiency. The outcome supported liquidity management while preserving asset ownership and long-term investment objectives.
