Where the property is the obstacle, not the client
Working farms, subdivided houses, estates with acreage, buildings without a valid use class. We place finance against the asset, not the template.
Discuss your propertyAssessed on merit, not against a checklist
Most lenders assess a property against a checklist. Ours assess it on its merits (condition, use, land, and long-term value), which is why we can place finance where a standard lender simply declines.
What we can finance
Working farms
Finance secured against farmland, where farm income isn't relied on to support the loan.
Properties without a kitchen
Routinely declined elsewhere, routinely financeable here.
Multi-let houses reverting to single dwellings
Houses being reverted from multiple flats to a single dwelling.
Large estates with outbuildings and acreage
Acreage and outbuildings valued as part of the asset, not excluded from it.
Former commercial buildings
Former surgeries, offices, and other commercial premises being converted to residential use.
Listed, period, and non-standard construction
Properties outside conventional criteria due to age, listing status, or build method.
Real transactions, not hypotheticals
A derelict castle, restored
A client purchasing a derelict castle in Scotland, intending to restore it for use as a second home and holiday let, needed a lender who could look past the property's condition and assess its long-term value and potential.
Working with a private bank able to take a considered view of a genuinely unique asset, we secured finance to complete the purchase and fund the restoration.
A former surgery, reimagined
A client relocating back to the UK wanted to purchase a former doctors' surgery, still fully laid out for commercial use, with plans to convert it into a large family home.
Because the property fell outside standard residential criteria in its existing form, we placed the case with a lender able to assess the building's underlying residential potential, not just its current use.
Why work with us rather than approach a lender directly
We negotiate structure, not just rate, covering repayment terms, drawdown flexibility and security arrangements, because we work independently across the private banking market rather than for one institution. We're paid by the lender, not you, so the advice costs nothing extra and answers to nobody but your circumstances.
Who this typically suits
This route suits clients with income from £100,000 or significant asset backing. Assessment is on the property and the client together. Speak to us before assuming either is the obstacle.
Own something unconventional?
Tell us what it is. We'll tell you if it's financeable, and how.
Start the conversation