Family Property Portfolio Refinance

A high-net-worth family engaged JLP Advisory to refinance their property portfolio, valued at £10 million, with the goal of repositioning the assets into a company structure for enhanced tax efficiency. The family’s complex income structure, involving multiple revenue streams and intricate financial arrangements, added a layer of complexity to the refinancing process.

JLP Advisory began by conducting a detailed analysis of the family’s property portfolio and their overall financial situation. We worked closely with the family to understand their objectives, including their desire to optimise tax efficiency through the strategic repositioning of their assets into a company structure.

To meet the required 75% loan-to-value (LTV) ratio, JLP Advisory leveraged our extensive network of financial institutions and lenders experienced in handling sophisticated refinancing arrangements. We identified and negotiated the best financing terms to facilitate the refinancing, ensuring that the new structure would support the family’s objectives while accommodating their complex income profile.

In parallel, JLP Advisory provided strategic advice on how to effectively transfer the portfolio into a company structure. This involved collaborating with tax advisors and legal experts to design a tax-efficient strategy that would maximise benefits while ensuring compliance with relevant regulations. We carefully managed the transfer process to minimise any potential tax liabilities and optimise the overall financial outcome for the family.

Throughout the refinancing and repositioning process, JLP Advisory maintained rigorous communication with the family, offering regular updates and expert guidance. Our ability to navigate the complexities of their income structure and secure favourable financing terms demonstrated our commitment to delivering bespoke solutions that met their specific needs.

The successful completion of the refinancing and asset repositioning enabled the family to achieve significant tax efficiencies and optimise the performance of their property portfolio. This case underscores JLP Advisory’s expertise in managing complex refinancing transactions and our capability to provide tailored solutions that align with the financial goals and unique structures of high-net-worth clients.