A £1.35M mortgage on a £1.8M home appeared straightforward, yet months of rejections told a different story. With a loss-making company on paper and no conventional income trail, mainstream lenders were unable to look beyond surface-level metrics. By taking the time to understand the underlying strength of the business, working...
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At Henry Dannell, we understand how pupillage income, future earnings, and early tenancy progression should be presented to lenders. With the right structure and lender alignment, securing a mortgage during pupillage is often far more achievable than many barristers realise.
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A long-standing client with a substantial mixed-use portfolio approached Henry Dannell to restructure legacy commercial debt that was restricting liquidity and limiting growth. Henry Dannell secured a £1,009,800 interest-only facility at 1.60% over base, alongside a Personal Guarantee capped at 16%, improving cost of borrowing, monthly cash flow, and release...
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A Consultant Surgeon with NHS and private practice income, alongside a Dental Hygienist and Practice Owner, secured a £1,395,000 mortgage for a £2,000,000 home with multi-layered income streams, retained business profits, and upcoming school fee commitments.
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A professional athlete instructed Henry Dannell to fund their first property development project, with an auction purchase, planning to refurbish into an HMO and refinance long-term. Despite strong income and a clear strategy, the absence of development experience and tight 28-day auction deadlines required commercial lending expertise.
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A senior executive purchasing a £2.1M Grade II-listed countryside home needed a £1.14M mortgage ahead of a planned liquidity event. Henry Dannell positioned the case to secure a facility which would enable purchase with the flexibility of repayment following a planned liquidity event.
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A high-growth London law firm had recently purchased and extensively refurbished new commercial premises using its own cash reserves. We supported a strategic capital raise against the commercial asset leveraging specialist commercial finance.
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When a family decided to stop dreaming about their ideal home and start building it, they faced a significant financial puzzle. We structured a remortgage against their existing home, alongside a self-build mortgage to acquire land.
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A couple in their 70s required a refinancing solution at the end of term with their existing lender. The clients owned a substantial main residence set within approximately 30 acres of land, and their repayment strategy was linked to the planned sale of their background investment assets. We navigated a number of structural challenges to secure lending...
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A life insurance solution designed specifically to support a £3M gift and protect the family from a £1.2M inheritance tax liability.
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