Our clients, a high-net-worth couple with significant investment holdings, approached us seeking a flexible lending solution. They have a six-figure annual dividend income and additional income totalling circa £2 million annually. Their overall net worth is in the region of £40 million, with a considerable portion held offshore.
The clients offered two prime residential properties located in the UK as security. The combined value of the properties was circa £10 million.
The clients sought to raise approximately £5 million in liquidity, leveraging their UK real estate assets while continuing to benefit from their investment strategy. A key consideration was the ability to monetise offshore holdings to bridge any income shortfall.
Working with a private bank, we arranged a bespoke facility featuring the following key terms:
- Product: Tracker Mortgage
- Interest Rate: Competitive margin over the base rate
- Arrangement Fee: A low percentage of the loan amount
The tailored facility enabled clients to unlock capital efficiently without disturbing their long-term investment portfolio. The structure offered flexibility and cost-efficiency, aligning with their broader wealth planning strategy.
Information contained in our case studies is for market and illustrative purposes only. In some cases, these may be made up of multiple cases and are for illustrative purposes only.
Some case studies are made up of enquiries that have come into the business, not all business completes, and the posting of a case study does not represent a completed piece of business.
