Our clients were a high-income married couple based in Maidenhead with long-term ownership of a substantial residential property.
Area: Maidenhead
Capital Raised: £1.26 Million
Date: 2017
Our clients were a high-income married couple based in Maidenhead with long-term ownership of a substantial residential property.
As successful business owners with strong earnings, they had built significant equity within their home, which was valued at approximately £2.3 million. Despite their strong overall financial position, the clients were looking to restructure their borrowing in order to simplify their finances and improve monthly cash flow.
The clients wanted to consolidate multiple existing debts into a single, more manageable long-term facility.
Their objectives were:
The total borrowing requirement was approximately £1,260,000, requiring a lender capable of supporting a large-scale remortgage alongside debt consolidation.
This case required careful consideration due to both the scale of the borrowing and the nature of the debt consolidation involved.
The transaction centred around a substantial loan requirement while also incorporating unsecured debts into a secured mortgage structure. This meant affordability assessments and long-term repayment planning were critical throughout the advice process.
In addition, it was important to ensure the clients fully understood the risks associated with securing existing unsecured debt against their property.
The case therefore required a carefully structured solution that balanced affordability, flexibility, and long-term financial stability.
We arranged a tailored capital repayment mortgage designed specifically to refinance the existing borrowing and consolidate the additional debts into a single facility.
The funding solution included:
The structure allowed the clients to streamline their borrowing while improving affordability and creating a more manageable long-term repayment plan.
We carried out a full review of the clients’ financial position, existing liabilities, and long-term objectives before assessing the most suitable consolidation options available.
A structured repayment strategy was then developed to ensure the borrowing remained sustainable while reducing the clients’ monthly outgoings. Throughout the process, we provided detailed guidance regarding the implications of debt consolidation and the risks associated with securing borrowing against the property.
A suitable lender was sourced that could accommodate the large loan size while offering the flexibility and repayment structure required.
Through proactive communication and careful planning, the transaction progressed efficiently from recommendation through to completion.
The remortgage completed successfully, enabling the clients to consolidate their existing debts into a single structured mortgage facility.
As a result, the clients were able to:
Conclusion:
This case highlights how a carefully structured remortgage can significantly improve affordability while simplifying complex financial arrangements.
With the right advice and lender solution, debt consolidation can help clients create a more stable and manageable long-term financial position.
