Bridging Finance for a Holiday Let Landlord Buying a Family Home
A case study showing how bridging finance helped a holiday let landlord secure a family home, with a long-term residential refinance built around complex income.
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General
Should I Take a 2-Year or 5-Year Fixed Rate?
For many borrowers, the question of whether to choose a two-year or five-year fixed rate has become one of the most important mortgage decisions of the year. It is also one of the most difficult to answer in isolation. A two-year fix may offer flexibility. A five-year fix may offer...
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Waiting for Rate Certainty May Be the Wrong Strategy
There is a particular kind of borrower who waits in the right way. They are measured, analytical and rarely rushed. They read the economic commentary, follow Bank of England decisions, watch swap rates, compare fixed-rate pricing and assume that better conditions may emerge if they remain...
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High-Value Residential Mortgage for an Entrepreneur with Complex Income
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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£1M Commercial Remortgage: Supporting an Investment Strategy with Debt Consolidation
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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Commercial Mortgage: Strategic Funding for a High-Growth London Law Firm
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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From Existing Home To Dream Home: How A Remortgage Made It Possible
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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£1.2M Regulated Bridging Loan Supporting Main Residence Refinance
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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Financial Decisions That Shape the First Decade at the Bar
Early years at the Bar introduce a professional and financial structure that differs from most other careers. Recognising this can help barristers approach financial planning with greater confidence as their careers develop.
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Property as the Foundation of Love
Relationship Milestones Are Shifting. Why Should This Matter for Private Client Advisers? For private client advisers, property is increasingly the moment when a relationship becomes financially real. Across affluent and emerging-HNW client profiles, buying a home is now the primary act of commitment, often preceding marriage, children,...
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