CASE STUDY
By delivering a fully structured, lender-ready case, we enabled the clients to access liquidity on competitive terms, validated the introducer’s trust in our specialist approach, and saved the lender time by presenting a ready-to-execute opportunity.
Case Overview
This case was referred to us by one of our longest-standing professional partners, who recognised that the clients’ financial circumstances required a highly specialist approach. The applicants, a UK-based commodity trader and a C-suite executive, sought a high-value mortgage to refinance their £4.8 million Prime Central London residence while raising capital for a new private equity venture.
Having already spoken with another mortgage advisor who was unable to secure competitive terms, the clients were introduced to Henry Dannell for a more strategic and structured solution. Given the unconventional nature of their income profiles and the investment-led loan purpose, a conventional lending route was not feasible.
We delivered a £3.325 million interest-only mortgage at 70% loan-to-value, structured as a five-year tracker at 2% above base. The transaction completed ahead of schedule, allowing the clients to move forward with their investment objectives without delay.
Client Profile
- Professions: Commodity Trader & C-Suite Executive
- Property Type: Prime Central London residence
- Property Value: £4,800,000
- Loan Amount: £3,325,000
- Loan Product: 5-year tracker, 2% above base
- Loan Purpose: Refinance and capital raise for private equity investment
The Challenge
While the clients had a significant asset base, their income profiles were highly complex. The commodity trader generated capital through irregular distributions from a private trading operation, with limited formal income. The C-suite executive was also operating within a tax-efficient structure, which impacted affordability from a traditional lending perspective.
Additional complexity came from international holdings, including a Spanish property held via a corporate structure. Combined with the fact that the capital raise was for private equity investment, a loan purpose often considered outside the risk appetite of many mainstream lenders, this case required careful positioning and presentation.
Our Tailored Solution
From the outset, we adopted a highly structured and lender-specific approach, starting with the development of a detailed credit paper and a fully indexed supporting data room.
The Importance of the Henry Dannell Credit Paper
At Henry Dannell, the credit paper is fundamental to how we present clients to the lending market. It doesn’t just document financial data, it builds a full narrative around the clients’ backgrounds, income structures, asset positions, and the rationale behind their borrowing needs.
In this case, the credit paper addressed the unconventional income, provided context for the clients’ business and financial strategies, and transparently outlined any perceived risks, all while reinforcing the overall credit strength of the application. This not only reassured the lender but also allowed us to guide them through the complexity with clarity and confidence.
The credit paper was accompanied by a fully prepared data room, containing all supporting documentation in a format ready for underwriter review. As a result, we were able to accelerate the approval process, reduce friction, and ensure that the case progressed without unnecessary delays.
How Our Credit Paper Drives Results
Client Discovery & Structuring
- In-depth fact-finding
- Early identification of risks and mitigants
Credit Paper Creation
- Full narrative: backgrounds, business activity, global asset base
- Transparent view of complexities
- Clearly articulated lending objectives
Data Room Preparation
- Indexed and collated documentation
- Immediate underwriter access
- Minimises clarification requests
Lender Engagement
- Aligned lender selection
- Direct access to decision-makers
- Elevated confidence in case quality
The Outcome
- Faster approvals
- Competitive terms
- Greater lender trust
- Market differentiation
Client Result
- Loan Secured: £3,325,000
- Loan-to-Value: 70%
- Rate: 5-year tracker at 2% over base
- Completion: Ahead of deadline
- Use of Funds: Refinance and capital raise for private equity investment
The clients now benefit from a lending structure that preserves liquidity, supports future investment, and aligns with their broader financial strategy, both domestically and internationally.
“Henry Dannell is an exceptional firm of financial advisors. They were meticulously organised, trustworthy, and very professional. I wholeheartedly recommend their services to anyone seeking to expertly manage and enhance the financing of their international real estate portfolio.”Client Testimonial
Why Clients and Introducers Trust Henry Dannell
This case study highlights the benefit of working with Henry Dannell. Through deep understanding, precise structuring, and strategic lender engagement, we transformed a complex, high-value scenario into a market-ready lending opportunity, one that delivered on both timing and terms.
For Henry Dannell’s professional introducers, this reinforces the value of working with a specialist who not only packages cases but fully advocates for the client from first conversation through to completion.
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 or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Please also note: The Financial Conduct Authority does not regulate most forms of buy to let mortgage.
