Complex wealth,Clearly presented.
Substantial wealth rarely arrives as a simple salary. Income may come from several sources and jurisdictions and assets may be held in companies, trusts or investments. We structure borrowing around the whole of your position and deal discreetly with the advisers who manage it.
How we help
We work alongside your wealth manager, accountant and family office, so that borrowing fits the wider plan.
Borrowing assessed against assets and overall wealth as well as income, where a lender's criteria allow.
Dividends, investment income, carried interest and overseas earnings presented in a form underwriters can rely on.
Purchases through companies, trusts and other vehicles placed with lenders that accept them.
Information is shared only with those who need it and only with your consent.
Typical scenarios
Illustrative examples of the situations we are asked to help with. They are not accounts of individual clients.
A client with a substantial investment portfolio but modest declared income wishes to buy a London home.
We approach lenders that will take assets and liquidity into account when assessing the loan.A family with homes in the UK and abroad reviewing the borrowing across all of them.
We review each facility and consider whether consolidating or restructuring would improve the overall position.A purchase to be made through a family company or trust.
We identify lenders that accept the structure and coordinate with the legal and tax advisers involved.Frequently
asked questions
What do lenders mean by high net worth?
Definitions vary. Lenders commonly use thresholds based on annual income or net assets and meeting them can open up more flexible lending.
Can I borrow against assets rather than income?
Some private banks and specialist lenders will, depending on the type and liquidity of the assets.
Will you work with my existing advisers?
Yes. With your permission we deal directly with your wealth manager, accountant, solicitor or family office.
How is confidentiality protected?
Your details are shared only with the lenders and professionals needed to arrange your finance and only with your consent.
Can you help with property abroad?
We arrange finance secured on UK property. Where borrowing is needed against property overseas, we can discuss the options with you.
Speak with us today
Tell us, in confidence, what you are considering. The first conversation is without obligation.
Your home may be repossessed if you do not keep up repayments on your mortgage. Lending is subject to status, lender criteria and individual circumstances.