Overview
Opportunities to acquire landmark properties rarely come without competition, particularly in the sought-after Cotswolds market. When an exceptional Grade II-listed estate became available off-market, securing it required swift action, strategic financing, and absolute discretion.
Through a carefully structured dual-asset financing solution, we enabled our client to purchase the property amid a highly competitive field, all while preserving liquidity and long-term financial flexibility.
Client Profile
The client, an established UK-based broadcaster, journalist, was introduced to us via one of our trusted property advisory partners. With a strong financial profile but an income structure spanning multiple sources, some of which could not be evidenced far in advance, the client required a nuanced approach.
Although initially searching within the £2.5 million range, the client identified this off-market property, priced at £3.7 million, as an opportunity not to be missed. However, several competing cash buyers intensified the need for certainty and speed.
The Challenge
The immediate challenge was to arrange a high loan-to-value mortgage under time pressure, despite the complexity of the client’s income. The client also sought to minimise the impact of the higher-than-anticipated purchase price on their liquidity and overall financial position.
Complicating matters further, the client needed to raise additional funds to cover both the deposit and the associated stamp duty liability, without compromising their long-term cash flow or future plans.
Our Dual-Asset Financing Solution
Our approach was both strategic and highly tailored. We arranged two complementary facilities across separate assets to optimise the client’s position.
First, we secured an 80% loan-to-value mortgage on the new Cotswolds residence, a two-year fixed-rate product with minimal fees, competitively priced despite the complexity of the income. Simultaneously, we leveraged an existing property retained by the client post-completion, raising additional funds to support the deposit and stamp duty costs.
This dual-asset financing approach provided the flexibility needed to complete the purchase while maintaining cash reserves and securing competitive lending terms. Both applications progressed from submission to formal mortgage offers in less than one week, with over £3.4 million in combined funding arranged.
Additional Value Delivered
In addition to arranging the financing, we provided a full review of the client’s personal protection policies. This resulted in the arrangement of new term assurance cover, ensuring both the client and their family were financially protected against the newly structured mortgage obligations.
Outcome
The client successfully secured their desired off-market property in the Cotswolds, beating rival buyers and completing the transaction under tight time constraints, with financing structured to align with their long-term goals.
The solution preserved liquidity, protected the client’s future borrowing capacity, and allowed them to proceed with confidence, knowing every detail had been managed.
Why This Case Matters
This case demonstrates the power of bespoke lending strategies, and in this case, the effectiveness of dual-asset financing, proving that with the right expertise and foresight, even the most challenging financing scenarios can be resolved swiftly and seamlessly.
At Henry Dannell, we specialise in unlocking opportunities for clients navigating high-value, time-sensitive acquisitions. This case reflects not only our ability to arrange funding but also our commitment to delivering clarity, security, and results, no matter how complex the circumstances.
This is a case study and not indicative of typical results. Past performance is not necessarily representative of future results. This information is for general purposes only and does not constitute financial advice. Please seek professional advice before making any financial decisions.
Please note: A mortgage is secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Mortgage deals may not be available, and lending is subject to individual circumstances and status.
