Overview
A high-earning professional with a background in private equity-backed companies was looking to purchase and renovate a Grade II-listed countryside property to become their primary residence. The home, situated on 8 acres of private land with historical boundaries believed to extend further, presented as much character as it did complexity.
With a liquidity event expected in 3–4 years following the sale of a business, the client intended to secure a flexible mortgage facility in the short-term, with a view to clearing the debt in full when the timing aligned.
When engaging their wealth manager for advice regarding the property acquisition, they approached us for a funding solution for the £2.1M purchase.
Client Profile
- Profession: Senior executive at a PE-backed company
- Income: £220,000 base + 20% annual bonus
- Property: Grade II listed, 8 acres of land, rural location
- Purchase Price: £2,100,000
- Loan Amount: £1,140,000
The Challenge
On paper, this was a well-capitalised client with a clear exit strategy and a strong income profile to support the loan. However, two key complications quickly surfaced:
Security Suitability Concerns
The initial lender declined to proceed after determining the property might cover 42 acres, despite the client intending to buy only 8 acres. The additional land created valuation and risk concerns, and the property was deemed unsuitable as mortgage security.
Heritage and Renovation Complexity
As a Grade II-listed home, the property required sensitive and possibly costly renovations, with implications for lender appetite and perceived resale risk. Not all mainstream lenders were prepared to consider this, especially without full clarity on the heritage restrictions.
Our Solution
Understanding that time and discretion were key priorities, especially given the wealth manager relationship, we:
- Repositioned the application with a lender that could take a pragmatic, manual underwriting approach
- Clearly outlined the client’s future liquidity event, including supporting documentation and timeline
- Presented the property in a way that separated the intended security from the broader land title
- Focused on the client’s income reliability, bonus structure, and overall net worth
- Highlighted that the renovation works were fully funded outside of the loan
By redirecting the case to a flexible building society, we aligned the application with a lender better suited to rural, heritage, and character property lending, and one with a proven ability to work collaboratively with high-net-worth borrowers.
The Outcome
We successfully secured £1,140,000 to fund this £2.1M property purchase of a Grade II listed rural home with a lender who understood the future exit strategy
The mortgage enabled the client to complete on the property and proceed with sensitive renovations, knowing that the facility would be cleared in full upon the anticipated liquidity event within the next 3–4 years.
Tailored Solution
For clients with high income, asset-backed profiles acquiring non-standard property, lending decisions come down to narrative, trust, and precise packaging. For professional introducers such as, wealth managers, knowing their client is in the hands of someone who can move swiftly, maintain discretion, and deliver with confidence gives peace of mind.
Is your client considering a unique home purchase or waiting on a liquidity event?
We specialise in securing finance for high-value properties and complex personal income profiles, without compromise.