Our client is the majority shareholder of a profitable UK-based business with significant retained earnings, investment assets, and a diversified personal balance sheet. While income taken personally was modest, overall wealth was substantial and supported by long-term asset strength and liquidity. The client sought funding for the acquisition of a prime London residence valued at approximately £4.2 million but required a structure that preserved flexibility and avoided unnecessary capital extraction from the business.
Conventional lenders were unable to accommodate the request due to reliance on personal income metrics and inflexible repayment expectations. Million Plus Private Finance positioned the case with a private bank by presenting a consolidated view of the client’s balance sheet, asset quality, and long-term repayment capacity. Valuation, legal coordination, and lender engagement were managed to ensure clarity and discretion throughout.
A mortgage facility of £2.6 million was structured on an interest-only basis, aligned with the client’s wider financial planning. The outcome preserved liquidity, supported efficient capital deployment, and enabled the client to complete the acquisition while maintaining control across both personal and business assets.
