Judicial appointment represents an important stage in a barrister’s career and can materially change the way income needs to be considered for mortgage purposes. For some, this begins with appointment as a Recorder or another part-time judicial role alongside an established practice at the Bar. For others, a longer-term judicial...
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For King’s Counsel, the challenge is often no longer demonstrating an established income history. It is ensuring that a substantial and potentially complex financial position is interpreted correctly.
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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. Your career may be progressing while your most recent income appears to be moving...
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Your practice may be developing at a pace that historic figures do not fully reflect. Income earned during the earlier stages of tenancy may bear relatively little resemblance to the level at which you are operating today.
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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.
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Starting pupillage is a significant professional milestone. It can also be the point at which your finances begin to look very different from those of someone following a conventional employed career. For pupil barristers considering buying a property, this can create an important question: can you get a mortgage during...
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Case Spotlight | What We’re Working On This Week The Situation An experienced European real estate entrepreneur is acquiring a high-value residential property in France, for €40 million. The client would prefer to finance the full purchase price rather than deploy €40 million of capital into...
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One of the things I regularly see when reviewing a client’s protection is that their wider estate planning has moved on considerably, while the insurance arrangements sitting alongside it have not. That is understandable. A policy may have been arranged several years ago for...
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Financial markets rarely evolve in a straight line. They respond to changes in regulation, liquidity, risk appetite and, perhaps most importantly, the needs of borrowers themselves. One of the clearest examples of that evolution has been the growth of private credit. Once viewed largely...
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Commercial lending is rarely assessed on one number alone. A strong asset, profitable business or experienced borrower may form part of a compelling proposition, but each needs to be understood in the context of the wider transaction. At Henry Dannell, our approach to commercial...
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