Blogs

IHT and Estate Liquidity: What Lenders Look for in Estate-Led Borrowing

For high-net-worth individuals and families, inheritance tax (IHT) and succession planning can create complex liquidity requirements, particularly where wealth is concentrated in property, business interests or long-term investments. While a client may hold substantial assets, accessing liquidity without disrupting existing investments or wider financial arrangements is...

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Post-Budget High-Value Borrowing: What Advisers Should Revisit for Complex-Income Clients

The implications of the Budget extend beyond taxation and investment planning. For high-net-worth individuals, business owners and senior professionals, changes to the financial landscape can influence how income is structured, capital is retained and borrowing capacity is assessed. For clients with multiple income sources, including dividends,...

Post-Budget IHT and Estate Liquidity: A Briefing for Professional Advisers

Recent inheritance tax (IHT) reforms are bringing estate liquidity into sharper focus for professional advisers working with high-net-worth individuals, business owners, landowners and families with complex wealth structures. Changes to Agricultural Property Relief (APR) and Business Property Relief (BPR), alongside the planned inclusion of most unused...

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...

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. ...