The Client
Our client, an Ultra High Net Worth international individual, owned a £42.5m prime residential property on one of Holland Park’s most prestigious roads. Introduced by a professional partner in the UAE, the client had already received indicative lending terms directly from a lender but sought enhanced structuring and improved commercial terms. The case involved a complex cross-border income profile, expatriate status and layered international assets, requiring bespoke underwriting.
The Solution
Visionary Finance was mandated to restructure and optimise the proposed facility. Following a detailed assessment of the client’s global income streams and balance sheet, we secured a £25.5m lending facility from an international private bank on a 10-year interest-only term at 1.15% over BBR, with no AUM requirement.
The facility refinanced the existing mortgage and incorporated a capital raise to cover significant recent development works to the property. The transaction was managed in close coordination with the introducer partner, ensuring a smooth process despite the multi-jurisdictional complexity.
The Outcome
The client achieved materially stronger terms than initially indicated, securing long-term stability on a prime Central London asset. The facility reflects a highly competitive result within the UHNW lending market, particularly given the bespoke underwriting required for international income and expatriate structures.
Comment from Hiten Ganatra, Managing Director
“When dealing with UHNW clients, the difference between indicative terms and optimised execution can be substantial. Our role was to interrogate the initial proposal, understand the client’s wider balance sheet and long-term objectives, and leverage our lender relationships to deliver materially stronger terms. Cases involving international clients often require careful presentation of layered income streams, corporate holdings and overseas assets. By structuring the deal correctly from the outset and working closely with our introducer partner, we were able to deliver a market-leading outcome.”
Whether you’re an international buyer, expat, or looking to invest in the UK property market, our advisers can help you secure the right deal. Speak to a mortgage expert today.
Mortgage Reviews
“I would like to thank Visionary Finance for helping me to secure funds from a UK lender. My journey was not easy and I struggled to get proper advice from other mortgage advisers earlier, however, the team at Visionary Finance were professional and very reliable, thank you for their exceptional support.”
“My last 2 brokers were unable to sort out my mortgage, I felt helpless until I was introduced to Visionary Finance by the developer. I’m really impressed by their service, they have handled my case in a professional and efficient manner. They are always responsive and explained every step to me clearly. They are really committed and hardworking to help me with securing a mortgage offer, definitely recommended their great service.”
“I have been very impressed by the supportive service given to me by the team at Visionary Finance. My mortgage adviser didn’t tire even though our application for a mortgage was a challenge as one of us is a non-resident buyer which adds complication to the arrangement process. There were a number of rejections by some lenders but Visionary Finance kept going until success was reached. Thanks for your great efforts.”
Paul German
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