When considering private credit, it is tempting to begin with the terms. What leverage is available? What will the capital cost? How quickly can the lender complete? What security will they require? These are important questions. But they should not be the first ones. ...
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One of the most persistent assumptions in the mortgage market is that the best mortgage is the one with the lowest rate. For a straightforward borrowing requirement, pricing will naturally carry significant weight. But as the size of the facility increases and the client’s...
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In lending, cost is easy to compare. Value can be more difficult. This distinction becomes particularly important when considering private credit. Compared with more conventional sources of finance, privately structured debt may come at a higher cost. Look at pricing alone and the obvious conclusion may...
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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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