Dry Lending
Unlock the potential of dry lending
Traditionally, private banks have required high-net-worth individuals to move significant assets to under the banks management (AUM) as part of a property financing proposal. This ensures security and wider relationship planning. However, our experienced advisers appreciate that this may not be the most ideal solution for our clients and their wealth portfolio. Through our established network, we work closely with lenders that are taking a more relaxed view on AUM requirements and are leading with the property as its main collateral on day one.
Dry Lending is the provision of a high value mortgage loan, without the conditional migration of other assets or AUM to the same private bank as the one financing the loan. Your global wealth position including assets & liabilities will be taken into consideration during the credit underwriting process however the key factor being that you can retain your assets elsewhere.
By bringing together our expertise with your need for finance, we will help to extract the most beneficial outcome from wealth position.
Your experience
I had the opportunity to work with Andrew on the purchase of a property in the UK a short while ago. The purchase process was in itself very complicated due to the nature of the property and the difficulty of getting a mortgage. Andrew is very pro-active and his ability to handle his clients and the banks and liaise between them is outstanding. He was able, in a very short time, to find a lender with a competitive rate. He followed up on the process until the mortgage offer was released (amended and released again) and contracts exchanged. I would certainly work with him again and highly recommend anyone who needs a specialist mortgage to do so.
Our clients
Private client case studies
Our client bank is vast. From private equity clients to entrepreneurs, business owners to family offices, trustees to ultra-high-net-worth foreign nationals, here we demonstrate examples of our coveted service.