Blogs

High Net Worth Mortgages: Lending Beyond the Standard Model

This article explores how complex income structures, global assets, and long-term wealth strategies shape lending solutions for affluent individuals. From portfolio-linked loans to trust-based borrowing, we outline how private banks and specialist lenders tailor facilities that integrate seamlessly with broader financial objectives.

Education Hub

Inheritance Tax Planning with Later Life Mortgages

With property values continuing to rise and Inheritance Tax (IHT) thresholds frozen, more families are facing unexpected tax liabilities on their estates. This guide explores how later life mortgages, including lifetime and retirement interest-only options, can be used strategically to reduce IHT exposure while preserving wealth for future generations.

Home Reversion Plans: An Overview for Later Life Borrowers

Although less common than lifetime mortgages, home reversion is an option which can be explored within this article as we highlight its key benefits and considerations.

Buying a Home in Retirement: Navigating the Downsizing Decision

This guide explores the benefits and challenges of downsizing, the timing of a move, and the options available if selling your home is not the right fit.

Understanding Lifetime Mortgages

This guide explains how lifetime mortgages work, the benefits and risks, who they suit, and where they fit alongside other options.

Equity Release Explained: Accessing Property Wealth in Later Life

This overview explores how equity release works, who it may benefit, and the considerations to weigh as part of your long-term financial planning.

Barristers Returning from Maternity or Paternity Leave: Why a Dip in Income Doesn’t Have to Reduce Your Borrowing Power

This article discusses how barristers returning from maternity or paternity leave can still secure a mortgage. It explains why a dip in income doesn’t have to reduce borrowing power. Read on to learn how specialist lenders assess the full picture.

A Solution That Means Pupil Barristers Don’t Need to Wait Two Years to Get on the Property Ladder

This article discusses why pupil barristers don’t need to wait two years to get a mortgage. It explains how specialist lenders assess pupillage income and career potential. Discover how you could step onto the property ladder sooner.

Mortgage Advice for Barristers with Judicial Income: Why Irregular Sittings Do Not Limit Your Mortgage Options

This article discusses how barristers with part-time judicial income can still secure a mortgage. It explains why irregular PAYE sittings are not a barrier when presented correctly. Read on to learn how specialist advice ensures lenders see the full picture.

Changing Specialities at the Bar? Why A Dip in Income Doesn’t Have to Mean a Dip in Mortgage Options

This article discusses how changing specialities at the Bar can impact your income and mortgage options. It explains why specialist lenders take a forward-looking view. Read on to learn how your career progression can still support borrowing.