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.
Conventional lenders were unable to accommodate the case due to reliance on personal income multiples and inflexible rental assumptions, despite strong underlying rental demand and asset quality. The structure required a lender comfortable with high-value assets and rental-led underwriting.
Million Plus Private Finance positioned the case with specialist buy to let lenders and private banks that assess rental income, loan-to-value, and balance sheet strength holistically. Comprehensive rental forecasts, independent valuations, and portfolio data were presented to demonstrate sustainability.
A £4.5 million interest-only buy to let facility was arranged at circa 70 percent loan-to-value. The structure preserved liquidity, supported portfolio expansion, and aligned with the client’s long-term investment objectives.
