The client

A senior executive at an international investment firm, newly resident in the UK, with significant liquid assets held offshore and remuneration paid partly in USD and EUR. High net worth, but “non-standard” on paper for any lender relying on a UK payslip.

The challenge

Two mainstream applications had already been declined. The barriers were familiar to us but fatal on the high street: multi-currency income, a short UK credit footprint, and a compressed timeline driven by a competitive purchase.

Our approach

We took the case directly to a private bank we hold a lending relationship with, packaging the full picture, assets under management, currency-adjusted income, and the wider relationship opportunity, rather than a single affordability figure.

The outcome

Terms were agreed and the purchase completed within just under three weeks of instruction, at a five-year fixed rate on interest-only at 65% LTV. The client secured the property against competing bids, and the private-bank relationship has since expanded into wider wealth planning.

Client details have been anonymised. This is an illustrative example; individual circumstances and available terms will differ. Your property may be repossessed if you do not keep up repayments on a mortgage secured against it. Some forms of finance are not regulated by the Financial Conduct Authority.