This case highlights the value of looking beyond the mortgages and structuring finance around a client's wider balance sheet. By combining property-backed and investment-backed lending, we financed the acquisition while preserving the client’s existing liquidity and supporting his wider private banking objectives.
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This case highlights the importance of structuring lending around a client’s future financial position. With the client still overseas and yet to commence his new Premier League contract, we aligned his future earnings, relocation and private banking arrangements into one coherent lending proposition.
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The seven-year rule is one of the most familiar concepts in Inheritance Tax planning, and one of the easiest to oversimplify. Broadly, certain gifts made during your lifetime can fall outside your estate for Inheritance Tax purposes if you survive for seven years after making them. But that does not...
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The seven-year rule is one of the most familiar concepts in Inheritance Tax planning, and one of the easiest to oversimplify. Broadly, certain gifts made during your lifetime can fall outside your estate for Inheritance Tax purposes if you survive for seven years after making them. But that does not...
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For internationally mobile clients, wealth rarely sits neatly within one jurisdiction. A client may be purchasing a property in the UK while living overseas, earning in another currency, holding investments with an international private bank and owning businesses or property across several countries. On paper, that can create complexity. But complexity and financial weakness are not...
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For internationally mobile clients, wealth rarely sits neatly within one jurisdiction. A client may be purchasing a property in the UK while living overseas, earning in another currency, holding investments with an international private bank and owning businesses or property across several countries. On paper, that can create complexity. But complexity and financial weakness are not...
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For barristers, income rarely follows a perfectly linear path. Pupillage, the transition to self-employment, the development of a practice, changes in specialism, career breaks and eventually taking silk can all materially change how and when income is earned. Yet when it comes to mortgage lending, there can be a tendency...
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Securing commercial finance is only the beginning. The structure also needs to make sense when the debt needs to be repaid, refinanced or replaced. The exit should influence the structure from day one.
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Applying for King’s Counsel represents a significant point in a barrister’s career. By this stage, you may have developed a substantial practice, a strong history of earnings and considerable professional standing. Yet the period surrounding an application for silk can create an unusual position from a mortgage perspective. ...
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Securing tenancy is a major milestone in a barrister’s career. Professionally, it marks the transition from pupillage into independent practice. Financially, however, it can create an unusual position when applying for a mortgage. You may now have greater earning potential and a developing practice, but relatively little historic...
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