- £1,900,000
- £1,600,000
- 84.21%
- Retail banks systematically cap exposure at 75% LTV for debt allocations exceeding £1,000,000. In addition, standard debt-to-income (DTI) frameworks rely on basic contractual salary, failing to quantify variable, non-standard, and deferred compensation structures.
The Solution: Beyond Standard Lending Criteria
By bypassing automated underwriting algorithms, our advisors negotiated a tailored solution through our network of private banks and specialist large-loan underwriters.
1. Holistic Income Asset Valuation
Standard high-street lenders assess only basic salary and traditional dividends. We presented a comprehensive balance sheet to a specialist underwriter, verifying retained corporate profits, future stock vesting schedules, and secondary investment portfolios. This approach successfully unlocked a higher borrowing multiplier. To bridge the £175,000 capital deficit imposed by standard lending caps, our advisors bypassed retail distribution channels. We engaged directly with specialized private banks and boutique debt funds for a tailored package in the form of manual, flexible underwriting and holistic balance sheet assessments.
Sophisticated Income & Liquidity Aggregation
Rather than evaluating cash salary in isolation, we constructed an aggregated income profile for the underwriter’s credit committee. This included:
- Corporate Retained Earnings: Presenting the financial strength of the client’s trading businesses rather than just drawn dividends.
- Deferred Equity & RSUs: Factoring in vested and unvested Restricted Stock Units (RSUs) using a conservative volatility haircut.
Capital Structuring & Asset Optimization
- Tranche A (Capital & Interest): A core segment amortized over a standard term to satisfy foundational capital repayment guidelines.
- Tranche B (Interest-Only): A structured interest-only facility. Capital repayment is deferred until maturity, supported by a formally recognized repayment vehicle consisting of a secondary managed investment portfolio. This design preserves liquid capital for high-yield market opportunities instead of locking it up in illiquid residential equity.
Strategic Advisory Value Add
High-value property financing demands professional-grade transaction management. Our private office collaborates directly with your wealth managers, corporate accountants, and legal counsel to structure debt as an integrated component of your broader tax and wealth preservation strategy:
- Bespoke Price Negotiation: Accessing un-published private bank tranches where interest margins and arrangement fees are fully negotiable.
- Assets Under Management (AUM) Flexibility: Navigating lenders that do not require restrictive asset-dry mandates, allowing you to maintain your current wealth management relationships.
- Sophisticated Risk Mitigation: Structuring robust borrowing vehicles that account for complex corporate ownership, onshore/offshore trusts, and specialized asset holdings.
Regulatory Compliance Disclaimer Every large-loan facility is subject to strict manual underwriting, asset appraisal, and comprehensive affordability stress-testing. Your property may be repossessed if you do not maintain repayments on your mortgage debt.
Why Expert Broker Representation Matters
High-value property transactions require more than just an interest rate comparison. Our advisory team coordinates directly with your accountants, legal representation, and private banking partners to manage every asset of the transaction:
- Direct Access: We hold direct relationships with key decision-makers at boutique banks and private lending institutions that do not have a high-street presence.
- Custom Risk Presentation: We frame complex income profiles into a professional business case that satisfies manual underwriting teams.
- Zero Dead-Ends: Where standard calculators say “no,” our manual negotiation routes explore custom offsets, collateral pledges, and tailored amortization tables to secure a “yes.”
- Every large loan facility is subject to strict manual underwriting, asset appraisal and comprehensive affordability stress -testing
The Solution: Beyond Standard Lending Criteria
By bypassing automated underwriting algorithms, our advisors negotiated a tailored solution through our network of private banks and specialist large-loan underwriters.
1. Holistic Income Asset Valuation
Standard high-street lenders assess only basic salary and traditional dividends. We presented a comprehensive balance sheet to a specialist underwriter, verifying retained corporate profits, future stock vesting schedules, and secondary investment portfolios. This approach successfully unlocked a higher borrowing multiplier. To bridge the £175,000 capital deficit imposed by standard lending caps, our advisors bypassed retail distribution channels. We engaged directly with specialized private banks and boutique debt funds for a tailored package in the form of manual, flexible underwriting and holistic balance sheet assessments.
Sophisticated Income & Liquidity Aggregation
Rather than evaluating cash salary in isolation, we constructed an aggregated income profile for the underwriter’s credit committee. This included:
- Corporate Retained Earnings: Presenting the financial strength of the client’s trading businesses rather than just drawn dividends.
- Deferred Equity & RSUs: Factoring in vested and unvested Restricted Stock Units (RSUs) using a conservative volatility haircut.
Capital Structuring & Asset Optimization
- Tranche A (Capital & Interest): A core segment amortized over a standard term to satisfy foundational capital repayment guidelines.
- Tranche B (Interest-Only): A structured interest-only facility. Capital repayment is deferred until maturity, supported by a formally recognized repayment vehicle consisting of a secondary managed investment portfolio. This design preserves liquid capital for high-yield market opportunities instead of locking it up in illiquid residential equity.
Comparative Structural Matrix
| Financial & Operational Matrix | Standard Retail Bank Credit Policy | Private Office Structured Solution |
|---|---|---|
Maximum Debt Allocation | £1,425,000 (Hard Cap at 75% LTV) | £1,600,000 (Approved at 84.21% LTV) |
Income Capitalization | Standard PAYE Salary & Historic Cash Dividends | Holistic Balance Sheet Underwriting (RSUs, Retained Profits, Bonuses) |
Amortization Profiling | Linear Capital & Interest Repayment | Optimized Part-and-Part Blend (Interest-Only Component) |
Credit Assessment Protocol | Automated Scorecard / Algorithmic Filtering | Bespoke Manual Underwriting |
Strategic Advisory Value Add
High-value property financing demands professional-grade transaction management. Our private office collaborates directly with your wealth managers, corporate accountants, and legal counsel to structure debt as an integrated component of your broader tax and wealth preservation strategy:
- Bespoke Price Negotiation: Accessing un-published private bank tranches where interest margins and arrangement fees are fully negotiable.
- Assets Under Management (AUM) Flexibility: Navigating lenders that do not require restrictive asset-dry mandates, allowing you to maintain your current wealth management relationships.
- Sophisticated Risk Mitigation: Structuring robust borrowing vehicles that account for complex corporate ownership, onshore/offshore trusts, and specialized asset holdings.
Regulatory Compliance Disclaimer Every large-loan facility is subject to strict manual underwriting, asset appraisal, and comprehensive affordability stress-testing. Your property may be repossessed if you do not maintain repayments on your mortgage debt.
Why Expert Broker Representation Matters
High-value property transactions require more than just an interest rate comparison. Our advisory team coordinates directly with your accountants, legal representation, and private banking partners to manage every asset of the transaction:
- Direct Access: We hold direct relationships with key decision-makers at boutique banks and private lending institutions that do not have a high-street presence.
- Custom Risk Presentation: We frame complex income profiles into a professional business case that satisfies manual underwriting teams.
- Zero Dead-Ends: Where standard calculators say “no,” our manual negotiation routes explore custom offsets, collateral pledges, and tailored amortization tables to secure a “yes.”
Contact Us
Call us for a consultation now:
Tel: 07859 704040
Tel: 07578 867367
email: info@trojanfinserv.uk
Trojan Financial Services
37 Hillside Road
Eastwood, Leigh On Sea
SS9 5DQ
Large Loan Enquiry Form
Be aware that your property could be repossessed if you do not keep up the payments on a mortgage or loans secured on it. Trojan Financial Services is a trading style of Q’Cast Asset Finance which is authorised and regulated by the Financial services Authority FCA 999823.