£1.46 Million Refinance – Prime Central
London Property

Overview

Silver Oak Capital was engaged to arrange a refinance on a high-value, unencumbered residential property in Prime Central London. The client required funding to reimburse family members who had privately contributed to the purchase and refurbishment of the property.

Challenges

Though the asset was strong, the transaction involved several complexities:
  • The loan purpose which necessitated the repayment of informal family loans fell outside typical lending criteria.
  • Affordability was based on multiple household incomes, despite single-name ownership.
  • A personal guarantee came from an overseas high-net-worth individual with no UK footprint.
  • Supporting documentation spanned multiple jurisdictions.

Solution Provided

We secured a £1.46 million, 5-year interest-only facility at a conservative LTV, with a lender who accepted:
  • Non-standard loan purpose.
  • Combined household income.
  • International guarantor with verified offshore income.
The transaction also included onboarding the client into a new private banking relationship.

Conclusion

This deal reflects Silver Oak Capital’s strength in structuring bespoke lending solutions for complex, high-net-worth scenarios, combining deep market knowledge with strong lender partnerships.