Lending Query
In this case, one of our clients approached Silver Oak Capital after facing considerable difficulty in arranging finance due to the complex ownership structure of their property. The client, a Monaco resident, held a prime central London buy-to-let property through a BVI structure, a convoluted arrangement that posed challenges for most lenders.
Problems to Solve
Our team quickly stepped in, providing the clarity and momentum needed to move the transaction forward. We carefully reviewed the client’s position, assessed the structural challenges, and built a case that could be presented credibly to our lending partners. By leveraging our relationships and experience, we were able to identify a lender who not only understood the complexity, but was also prepared to move decisively.
The result was the successful arrangement of a £3.5 million refinance, secured against the £4.8 million property on a 10-year interest-only term with a highly competitive rate.
A key factor in the success of this transaction was our ability to navigate cross-border issues and anatomical complications. Working in close partnership with GB Bank, we were able to manage the legal and logistical hurdles that might otherwise have delayed or jeopardised completion. Our proactive approach ensured that the deal was not only delivered smoothly, but also within the client’s timeframe. This transaction demonstrates our ability to manage complex, high-value financing solutions with precision and efficiency.
We would like to extend our gratitude to the team at GB Bank, and in particular to Adnan Ali, Head of Relationship Management, whose dedication, flexibility, and pragmatic approach were instrumental in achieving this positive outcome.
This successful refinance is another example of how we bring together market expertise, strong lender relationships, and a client-first approach to ensure that even the most complicated transactions can be delivered successfully.