A £1.35M mortgage on a £1.8M home appeared straightforward, yet months of rejections told a different story. With a loss-making company on paper and no conventional income trail, mainstream lenders were unable to look beyond surface-level metrics. By taking the time to understand the underlying strength of the business, working...
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At Henry Dannell, we understand how pupillage income, future earnings, and early tenancy progression should be presented to lenders. With the right structure and lender alignment, securing a mortgage during pupillage is often far more achievable than many barristers realise.
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A long-standing client with a substantial mixed-use portfolio approached Henry Dannell to restructure legacy commercial debt that was restricting liquidity and limiting growth. Henry Dannell secured a £1,009,800 interest-only facility at 1.60% over base, alongside a Personal Guarantee capped at 16%, improving cost of borrowing, monthly cash flow, and release...
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A Consultant Surgeon with NHS and private practice income, alongside a Dental Hygienist and Practice Owner, secured a £1,395,000 mortgage for a £2,000,000 home with multi-layered income streams, retained business profits, and upcoming school fee commitments.
Read More
A professional athlete instructed Henry Dannell to fund their first property development project, with an auction purchase, planning to refurbish into an HMO and refinance long-term. Despite strong income and a clear strategy, the absence of development experience and tight 28-day auction deadlines required commercial lending expertise.
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A senior executive purchasing a £2.1M Grade II-listed countryside home needed a £1.14M mortgage ahead of a planned liquidity event. Henry Dannell positioned the case to secure a facility which would enable purchase with the flexibility of repayment following a planned liquidity event.
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CASE STUDY...
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Looking for secure, high-growth investment options for your high-net-worth clients? Prime Central London (PCL) property could be the ideal addition to their portfolios. Resilience in a Shifting Market While some property markets have seen recent fluctuations, PCL has demonstrated remarkable stability. Despite global...
Read More
Cautious optimism is the name of the game as inflation falls ahead of expectations and lenders help borrowers ride out the storm The housing market as well as the wider economy have undoubtedly had a rocky ride of late, but early signs of stability returning...
Read More
Expert guidance is more crucial than ever as mortgage rates continue to rise in the face of stubbornly high inflation Housing market knowledge and know-how have come firmly into their own this month as worse-than-expected inflation data rocked the economy and made analysts...
Read More
Encouraging signs abound, making now the perfect time to dive in A flurry of encouraging signs around the economy, interest rates and house prices are strong signals of optimism for the property market – and opportunity for those ready to dive in.
Read More
Has your client found a new property to purchase, but won’t be able to sell their current home simultaneously? In this scenario, a bridging loan may be a potential solution. Whilst your client may have other assets as part of an existing investment...
Read More
There are many factors to consider as a sporting professional, when obtaining a mortgage. In this video, we discuss some of the factors a lender would consider when assessing affordability.
View Video
At Henry Dannell, we aim to provide our clients with the support and knowledge they require to find the most suitable solution fitting their requirements, profession and lifestyle.
View Video
The nature of income streams for professional entertainers, such as musicians can make mortgage lending ‘non-traditional’. Within this video, we discuss the complexities that can be faced and how a lender will assess affordability.
View Video
For clients with a large property portfolio, mortgage solutions can be complex. Within this video, we discuss the benefits of using a broker to consolidate lending.
View Video
For solicitors during different stages in their career, income structures may vary, which will affect the way a lender would assess affordability. Within this video, we discuss what factors would be considered, during these different stages.
View Video
Clients with a large investment portfolio but limited income can face complexities when trying to obtain a mortgage. Within this video we discuss the options available those requiring specialist asset lending, without having to lend against current assets.
View Video
A £1.35M mortgage on a £1.8M home appeared straightforward, yet months of rejections told a different story. With a loss-making company on paper and no conventional income trail, mainstream lenders were unable to look beyond surface-level metrics. By taking the time to understand the underlying strength of the business, working...
Read More
At Henry Dannell, we understand how pupillage income, future earnings, and early tenancy progression should be presented to lenders. With the right structure and lender alignment, securing a mortgage during pupillage is often far more achievable than many barristers realise.
Read More
A long-standing client with a substantial mixed-use portfolio approached Henry Dannell to restructure legacy commercial debt that was restricting liquidity and limiting growth. Henry Dannell secured a £1,009,800 interest-only facility at 1.60% over base, alongside a Personal Guarantee capped at 16%, improving cost of borrowing, monthly cash flow, and release...
Read More
A Consultant Surgeon with NHS and private practice income, alongside a Dental Hygienist and Practice Owner, secured a £1,395,000 mortgage for a £2,000,000 home with multi-layered income streams, retained business profits, and upcoming school fee commitments.
Read More
A professional athlete instructed Henry Dannell to fund their first property development project, with an auction purchase, planning to refurbish into an HMO and refinance long-term. Despite strong income and a clear strategy, the absence of development experience and tight 28-day auction deadlines required commercial lending expertise.
Read More
A senior executive purchasing a £2.1M Grade II-listed countryside home needed a £1.14M mortgage ahead of a planned liquidity event. Henry Dannell positioned the case to secure a facility which would enable purchase with the flexibility of repayment following a planned liquidity event.
Read More
CASE STUDY...
Read More
Looking for secure, high-growth investment options for your high-net-worth clients? Prime Central London (PCL) property could be the ideal addition to their portfolios. Resilience in a Shifting Market While some property markets have seen recent fluctuations, PCL has demonstrated remarkable stability. Despite global...
Read More
Cautious optimism is the name of the game as inflation falls ahead of expectations and lenders help borrowers ride out the storm The housing market as well as the wider economy have undoubtedly had a rocky ride of late, but early signs of stability returning...
Read More
Expert guidance is more crucial than ever as mortgage rates continue to rise in the face of stubbornly high inflation Housing market knowledge and know-how have come firmly into their own this month as worse-than-expected inflation data rocked the economy and made analysts...
Read More
Encouraging signs abound, making now the perfect time to dive in A flurry of encouraging signs around the economy, interest rates and house prices are strong signals of optimism for the property market – and opportunity for those ready to dive in.
Read More
Has your client found a new property to purchase, but won’t be able to sell their current home simultaneously? In this scenario, a bridging loan may be a potential solution. Whilst your client may have other assets as part of an existing investment...
Read More
There are many factors to consider as a sporting professional, when obtaining a mortgage. In this video, we discuss some of the factors a lender would consider when assessing affordability.
View Video
At Henry Dannell, we aim to provide our clients with the support and knowledge they require to find the most suitable solution fitting their requirements, profession and lifestyle.
View Video
The nature of income streams for professional entertainers, such as musicians can make mortgage lending ‘non-traditional’. Within this video, we discuss the complexities that can be faced and how a lender will assess affordability.
View Video
For clients with a large property portfolio, mortgage solutions can be complex. Within this video, we discuss the benefits of using a broker to consolidate lending.
View Video
For solicitors during different stages in their career, income structures may vary, which will affect the way a lender would assess affordability. Within this video, we discuss what factors would be considered, during these different stages.
View Video
Clients with a large investment portfolio but limited income can face complexities when trying to obtain a mortgage. Within this video we discuss the options available those requiring specialist asset lending, without having to lend against current assets.
View Video
'They are extremely responsive, highly professional with many years of experience in their field…'Investment Banker Book your consultation now
Despite being informed by several brokers and lenders that he would not be eligible for a competitive rate until he had owned the property for 6 months, we were able to find a solution that allowed him to secure a new rate as soon as possible.
Leveraging our in-depth understanding of the client's income structure, we engaged in a detailed discussion with the bank, which enabled them to adopt a holistic view of the case.
The client's application presented a unique challenge as it involved four different income streams. To maximise their borrowing capacity, we selected a lender that considered both applicants' salaries and net profit at 100%, resulting in a higher lending amount.
Despite encountering some obstacles, we were able to provide our client with the necessary support to obtain the full loan amount they required. Additionally, we facilitated a swift completion to avoid any potential exposure to their lender's Standard Variable Rate (SVR).
