Private Lending
Million Plus Private Finance advises on private lending for high-net-worth clients requiring discretion, flexibility, and balance-sheet alignment. Facilities are structured through private banks and specialist lenders, reflecting asset quality, cashflow dynamics, and long-term capital considerations rather than standardised affordability models.
Why Choose Million Plus Private Finance for Your Private Lending?
Private lending sits outside standardised retail frameworks and is shaped by asset composition, structure, and enforceability. Million Plus Private Finance works with trusted private banks and specialist private loan lenders to structure facilities for clients with complex income, international exposure, and multi-asset portfolios. Facilities may include private mortgage lending where property assets form part of a wider balance sheet and may incorporate interest-only or hybrid repayment profiles, aligned with broader wealth planning, confidentiality requirements, and disciplined execution.
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Discuss your balance sheet and financing objectives with a senior Million Plus Private Finance adviser. We provide confidential guidance for high-net-worth clients whose requirements extend beyond conventional lending frameworks.
Private lending is typically appropriate where assets, rather than earned income, underpin credit decisions. This may include property holdings, investment portfolios, private company interests, or cross-border wealth structures. In this context, private mortgage lending is often assessed as part of a wider balance sheet rather than as a standalone property transaction.
Million Plus Private Finance assesses how these components interact within the broader financial position and positions them coherently with lenders capable of underwriting complexity. Facilities are structured conservatively, with emphasis on valuation integrity, legal enforceability, and repayment alignment. Coordination across valuations, lender engagement, and legal processes ensures execution remains efficient and discreet, supporting long-term capital planning rather than transactional outcomes.
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Private lending forms part of a broader private-bank approach to capital management. For many high-net-worth clients, wealth is distributed across multiple asset classes, jurisdictions, and ownership structures, creating complexity that falls outside standard credit models.
Million Plus Private Finance approaches private lending through a balance-sheet lens, considering liquidity requirements, asset concentration, and future capital events. Facilities may support acquisitions, refinancing, consolidation, or broader liquidity management without forcing asset sales or structural disruption.
Private mortgage lending may sit alongside other asset-backed facilities where property forms one component of a wider portfolio. In these cases, lending decisions are informed by overall asset quality, cashflow resilience, and balance-sheet strength rather than property metrics in isolation.
International considerations are common, particularly where assets, borrowers, and lenders operate across jurisdictions. We work alongside professional advisers to ensure structures remain coherent, executable, and aligned with regulatory frameworks.
Our role remains advisory throughout, focused on disciplined structuring, measured lender engagement, and capital efficiency aligned with long-term wealth objectives.
frequently asked questions
Mortgage Questions Answered
What is private lending?
Private lending refers to bespoke finance arranged through private banks or specialist lenders outside standardised retail frameworks.
What is private mortgage lending?
Private mortgage lending typically refers to property-backed finance structured for high-net-worth clients where property is assessed as part of a wider balance sheet rather than through conventional affordability models.
Are private mortgages available in the UK?
Yes. Private mortgages are commonly arranged through private banks and specialist lenders for clients with complex financial profiles.
Who provides private lending facilities?
Facilities are typically provided by private banks and specialist private loan lenders accustomed to complex balance sheets.
Can private lending be interest-only?
Yes, subject to asset profile, structure, and lender terms.
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From prime UK and international assets to alternative investments, Million Plus Private Finance arranges and structures bespoke private finance solutions for high-net-worth clients. Senior advisers deliver discreet, flexible lending beyond high-street constraints.
