Yesterday’s Monetary Policy Committee decision was significant, not simply because the Bank of England raised Bank Rate to 4%, but because of the strength of consensus behind the move. Yet beneath the headline 8-1 vote lies a more nuanced picture of monetary policy, inflation expectations and what borrowers...
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For internationally connected private clients, acquiring property overseas is often part of a wider financial strategy. Whether purchasing a second home, expanding an international property portfolio or acquiring a residence to support family or business interests, the financing considerations can extend well beyond the property itself. ...
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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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After relocating from the UK to the United States, our clients needed to refinance their UK property from overseas before their existing mortgage deal expired. With limited clarity on their options as expatriate borrowers and the mortgage approaching the lender’s Standard Variable Rate, timing had become increasingly important.
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When Kem and I founded Henry Dannell, we had a clear view of the type of advisory business we wanted to build. We did not want to be generalists who happened to work with complex clients. We wanted to develop genuine areas of specialism within the firm, where...
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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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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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Buying your first home is one of the most significant financial decisions you’ll make. For many buyers, saving a deposit is the biggest challenge, which is why there are now more routes onto the property ladder than ever before. Alongside traditional residential mortgages, there are government-backed initiatives,...
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