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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If you’re buying your first home, you’ve probably come across the term Mortgage in Principle or Agreement in Principle. It sounds like an important step, but many first-time buyers aren’t entirely sure what it means or when they should get one. The good news is that a Mortgage in Principle is usually quick to arrange...
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Ask most people how much deposit you need to buy your first home and they’ll probably tell you 5%. But that isn’t always true. While a 5% deposit remains one of the most common ways to buy a property, today’s mortgage market offers more options than many first-time buyers realise. Depending...
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For many first-time buyers, family support can make a meaningful difference to when they buy, what they can purchase and how their mortgage is structured. Parents, grandparents and other family members may choose to contribute towards the deposit, allowing the buyer to combine that support with their own...
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For most first-time buyers, understanding how much they can borrow is the starting point for the entire home buying journey. Before viewing properties, making offers or speaking to estate agents, it’s important to have a realistic understanding of your budget. While many buyers assume mortgage borrowing is based on...
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