£3.2 Million Mortgage Funds International Property Purchase

Overview

Timing is everything in the world of high-value property acquisitions. For one of our long-standing clients, a highly successful UK-based investment banker, speed and precision were non-negotiable.

The objective: to secure £3.2 million in financing to fund the purchase of a prestigious residence in the South of France. With just six weeks to complete the transaction and the added complexity of cross-border financing, this was a case that demanded absolute focus, expertise, and discretion.

This South of France property purchase presented a rare opportunity, requiring an agile approach to secure funding and complete the acquisition within a strict timeframe.

Client Profile

Having recently cleared the mortgage on their £6 million primary residence in Notting Hill, the client sought to leverage this unencumbered asset to fund their latest acquisition of an international purchase. They had previously worked with us on multiple complex financing projects and returned knowing that we could not only meet the challenge but also ensure that their broader financial strategy remained intact throughout the process.

The Challenge

The transaction carried several significant challenges. First and foremost was the rigid six-week completion deadline, an exceptionally tight timeframe given the scale of funding required. Additionally, the cross-border nature of the purchase introduced layers of legal, logistical, and financial complexity.

The client also required the loan to be structured on a pure interest-only basis to align with their long-term liquidity and asset management plans. Furthermore, valuations and legal processes would need to be accelerated significantly to meet the deadline, leaving no margin for error or delay.

Our Solution for an International Property Purchase in South of France

We approached the case with the same precision and urgency that has defined our longstanding relationship with this client. Drawing on our extensive lender network and deep cross-border financing experience, we structured a bespoke mortgage solution that would both satisfy the client’s requirements and fit seamlessly within their wider financial framework.

Through direct engagement with a carefully selected lender, we secured a highly competitive two-year tracker mortgage. From the outset, we anticipated every potential obstacle and ensured that all necessary documentation was prepared meticulously and submitted early to facilitate rapid underwriting.

Within just ten working days, we had completed both the full underwriting and the property valuation. We also introduced the client to a specialist legal team with a proven track record of delivering high-value, time-sensitive international transactions. This ensured that legal work progressed at the same accelerated pace as the financing.

The Outcome

Thanks to our proactive approach and tight coordination of all moving parts and parties involved, the client secured the £3.2 million loan under highly favourable terms, with the transaction completed well within the six-week deadline.

The entire process was executed seamlessly, with minimal disruption to the client’s schedule or other commitments. Most importantly, the client achieved their objective of acquiring their international property in South of France residence exactly as intended, with their broader financial goals intact.

Why This Case Matters

This case highlights the true value of specialist advice and strategic execution. Beyond simply securing funding, we delivered certainty and peace of mind, enabling the client to act decisively on an exceptional opportunity.

For high-net-worth individuals navigating complex financial landscapes, Henry Dannell offers more than just access to lending; we provide clarity, confidence, and results.

 

This is a case study and not indicative of typical results. Past performance is not necessarily representative of future results. This information is for general purposes only and does not constitute financial advice. Please seek professional advice before making any financial decisions.

Please note: a mortgage is secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Please also note: The Financial Conduct Authority does not regulate most forms of buy to let mortgage.

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A bridging loan is a short-term loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any debt secured on it. The Financial Conduct Authority does not regulate some forms of bridging finance.

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Henry Dannell Private Clients Limited is registered in England & Wales under registration No: 12002019. Registered and trading office address: First Floor, Tabard Works, 6-12 Tabard Street, London SE1 4JU.

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