Complex income profile Grade II listed refinance

Our distinguished client, a high-net-worth individual, sought financing for a distinctive estate valued at £4.25 million. They required a £2.5 million loan to capitalise on a specific investment opportunity. However, traditional lenders were reluctant to facilitate the loan due to the property’s grand nature and the client’s limited reported income.

To overcome these challenges and secure the necessary financing, we devised an innovative strategy:

We conducted a comprehensive analysis of the client’s extensive asset portfolio, including investments, additional real estate holdings, and valuable possessions. By highlighting the full extent of their wealth and financial stability beyond the income statement, we demonstrated the client’s substantial net worth.

Recognising the unique characteristics of the property and the client’s financial situation, we conducted thorough research to identify lenders specialising in unconventional and high-value asset financing. We sought lenders willing to consider the property’s unique attributes and the client’s robust asset base to mitigate perceived risks.

Upon identifying a suitable lender, we crafted a bespoke financing proposal that showcased the client’s impressive asset portfolio and detailed the loan’s purpose and anticipated return on investment. This proposal included comprehensive information about the client’s intended project or investment.

Leveraging our strong relationship with the lender, we advocated on the client’s behalf, facilitating transparent communication and providing extensive documentation to support the client’s financial position.

Through our diligent efforts, we successfully secured the required £2.5 million loan for our client. The financing arrangement featured an attractive rate over a shorter fixed term, offering the flexibility needed to execute their investment plan effectively.

This case underscores the importance of innovative thinking and a personalised approach in complex financing scenarios. By effectively monetising the client’s extensive assets, showcasing the unique nature of the property, and identifying a lender open to unconventional collateral, we achieved a successful financial outcome for our high-net-worth client. Our adept navigation of minimal reported income and distinctive property characteristics culminated in a triumphant solution tailored to the client’s financial aspirations.