Complex client circumstances rarely sit neatly within one area of advice. A lending requirement may intersect with wealth planning, tax and estate considerations, business ownership, international assets, protection needs or changing family circumstances. In these situations, bringing in a specialist should not mean fragmenting...
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Commercial property investment rarely fits neatly within a single lending category. While a straightforward, well-let commercial asset may sit comfortably within established lending criteria, mixed-use properties and more unusual commercial assets can require a different approach. A building combining retail and residential accommodation, a property with...
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Protection Planning Should Reflect How a Family Actually Works Protection planning can appear straightforward. Establish an income. Calculate an appropriate level of cover. Select a policy. Put it in place. But for families with significant incomes, changing careers, international circumstances or more...
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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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