Services

What is our Core Service?

Finance solutions for International clients investing in UK or Spain, typically Prime Central London residential and commercial property or luxury villas in Ibiza and Mallorca. We also provide solutions to re-finance and Equity Release.

What else can we help with?

Access to a range of property professionals, including finders, managing agents and offshore structuring / tax advisers.

Why engage us?

In simple terms, the world of finance is constantly changing especially around regulation and significantly more so since the financial crisis of 2008/9 - navigating that world has now become very much the realm of the specialist.

Engaging us will ensure the client maximises their chances of successfully obtaining finance and at market competitive rates.

We have a detailed and up to date knowledge of property finance market trends.
We remain up to date with the very latest terms and conditions from a broad range of lenders.
We have a detailed knowledge of banks’ internal credit procedures.
We know how to package and present the client story to achieve maximum interest / successful applications.
We understand how to attract the most competitive terms by promoting each client in the best possible light, including leveraging of their wealth creation story.

What do we charge?

We have a completely transparent fee policy and charge a 1% gross of the total loan(s) procured (minimum £5,000), payable only on legal completion / drawdown.

Any commission rebates offered by the lender will be refunded 100% to the client. This can often equate to 50% of our fee being covered by the lender.

What are important considerations for clients and their advisers?

Tax - There continues to be significant changes to the UK tax regime relating to the purchase and holding of UK residential property. As such, it remains vitally important to receive expert structuring advice to optimise a client’s tax position. Taxes include, Income, CGT, IHT, Stamp Duty and the Annual Tax on Enveloped Dwellings (ATED).

Expensive interest rates - Clients may have historical loans, which have reverted to a lender’s standard variable rate, which can mean a significant increase to their previous rate.

Release equity as a result of significant capital appreciation - Clients who have owned London property for numerous years will have seen significant growth in the value of their asset. As such, they may wish to raise further finance to diversify into other investments. There are also tax planning considerations, particularly around IHT mitigation.

Maximising the client’s net worth - Clients who have a broad portfolio of wealth can leverage off this wealth to drive finer deals with lenders – particularly Private Banks, who are hungry for assets under management (AUM).