The client was an international investor in their late sixties with a prime London residence held alongside overseas investments and family trust structures. Their wealth was concentrated in long-term assets, with limited UK income but significant global net worth.
High-street lenders were unsuitable due to cross-border complexity, age criteria, and affordability assessments that failed to account for the client’s wider financial position. The client also required a more coherent approach to managing existing liabilities without disrupting asset ownership.
Million Plus Private Finance engaged a private bank experienced in later life lending, positioning the case around asset quality, balance sheet strength, and long-term sustainability rather than income alone. The presentation reflected the client’s global asset base and conservative leverage profile.
A later life mortgage facility of £1.15 million was arranged against a London property valued at approximately £4.6 million, structured with an interest-serviced repayment profile aligned to investment cashflow. The facility simplified liabilities, improved capital efficiency, and supported family planning objectives while preserving ownership of long-held assets.
