A high-value mortgage is usually arranged around a particular set of circumstances. The client has a certain level of income, a particular mix of assets and liabilities, an investment strategy and a reason for borrowing in the way they have chosen. But those circumstances rarely remain static. ...
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When Kem and I founded Henry Dannell, we had a clear view of the type of advisory business we wanted to build. We did not want to be generalists who happened to work with complex clients. We wanted to develop genuine areas of specialism within the firm, where...
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Protection is often discussed in relatively narrow terms. A mortgage is taken out, so life cover is considered. A family relies on one or two incomes, so income protection enters the conversation. Those are important considerations. But for many of the clients we work with, the financial consequences of illness,...
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Speed is one of the characteristics most commonly associated with bridging finance. There are good reasons for that. A property purchase may need to complete within days rather than months. A chain may have broken. An investor may be working to an auction deadline. A property...
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This case highlights the value of looking beyond the mortgages and structuring finance around a client's wider balance sheet. By combining property-backed and investment-backed lending, we financed the acquisition while preserving the client’s existing liquidity and supporting his wider private banking objectives.
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This case highlights the importance of structuring lending around a client’s future financial position. With the client still overseas and yet to commence his new Premier League contract, we aligned his future earnings, relocation and private banking arrangements into one coherent lending proposition.
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The seven-year rule is one of the most familiar concepts in Inheritance Tax planning, and one of the easiest to oversimplify. Broadly, certain gifts made during your lifetime can fall outside your estate for Inheritance Tax purposes if you survive for seven years after making them. But that does not...
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The seven-year rule is one of the most familiar concepts in Inheritance Tax planning, and one of the easiest to oversimplify. Broadly, certain gifts made during your lifetime can fall outside your estate for Inheritance Tax purposes if you survive for seven years after making them. But that does not...
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For internationally mobile clients, wealth rarely sits neatly within one jurisdiction. A client may be purchasing a property in the UK while living overseas, earning in another currency, holding investments with an international private bank and owning businesses or property across several countries. On paper, that can create complexity. But complexity and financial weakness are not...
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For internationally mobile clients, wealth rarely sits neatly within one jurisdiction. A client may be purchasing a property in the UK while living overseas, earning in another currency, holding investments with an international private bank and owning businesses or property across several countries. On paper, that can create complexity. But complexity and financial weakness are not...
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