Blogs

Estate Liquidity Planning Is Part of Good Client Service

For private client advisers, estate planning has traditionally involved balancing tax efficiency, asset preservation, succession and the transfer of wealth between generations. However, one consideration deserves greater attention within these discussions: liquidity. A client may have considerable wealth, a carefully structured estate and a...

Education Hub

How a Lender Reads a Complex High-Value Balance Sheet

For high-net-worth individuals, financial strength does not always translate into a straightforward mortgage application. A client may hold an extensive property portfolio, investment assets, business interests and cash reserves, yet still encounter challenges when seeking high-value borrowing. From the client’s perspective, their financial position...

The Best High-Value Mortgage Is Not Always the One With the Lowest Rate

When a high-net-worth client is considering a mortgage, the interest rate is understandably an important part of the discussion. For larger borrowing requirements, even a relatively small difference in pricing can have a meaningful impact on the overall cost of finance. However, the lowest...

Commercial Debt Advice Should Begin Before the Lender Approach

When a business owner, property investor or commercial client requires finance, the natural starting point is often to establish which lenders may be prepared to provide funding. However, in more complex transactions, I believe this can overlook one of the most important stages of the process:...

International Property Lending: What Do Lenders Need To Understand

For internationally connected private clients, acquiring property overseas is often part of a wider financial strategy. Whether purchasing a second home, expanding an international property portfolio or acquiring a residence to support family or business interests, the financing considerations can extend well beyond the property itself. ...

Estate Planning Is A Team Exercise

Inheritance tax planning is rarely addressed through a single decision. An estate may comprise property, investments, business interests, pensions and other assets, while the individuals involved may have different priorities around liquidity, gifting, succession and preserving wealth for future generations. This is why effective...

When Should a Professional Adviser Raise the Topic of Private Credit With a Client?

Private credit is often introduced too late. In many cases, the conversation only begins once a bank has declined the application, a deadline is approaching or a conventional facility no longer fits the transaction. By then, the client’s options may already be narrowing. ...

Should Valuable Property Be Sold To Meet And Estate Liability?

A valuable estate is not necessarily a liquid estate. That distinction can become particularly important when an inheritance tax liability falls due. For families whose wealth is concentrated in property, an estate may have significant underlying value but insufficient cash available to meet its...

Can Non-UK Residents Get a Mortgage in the UK?

Non-UK residents can potentially obtain mortgages to buy or refinance property in the UK. The fact that someone lives overseas does not, by itself, prevent them from borrowing against UK property. It does, however, change the way a lender may assess the application. ...

Can British Expats Get a Mortgage on UK Property?

British expats can potentially obtain mortgages to buy or refinance property in the UK. Being a British citizen, however, does not necessarily mean a mortgage application will be assessed in the same way as it would for someone living and working in the UK. ...