Unlocking Specialist Lending for a High-Value Rural Property

Our client, a retired business leader, approached us to secure specialist lending for a unique financial need. They owned a bespoke prime property in the English countryside, valued at over £5 million. Spanning a large acreage of land, the property’s distinctive construction meant it fell outside the criteria of traditional lenders.

The client required a substantial capital release at a high Loan-to-Value (LTV) ratio – a challenge given the property’s scale, construction, and location.

The Challenge

Despite the significant value of the asset and the client’s established background, securing the necessary finance presented several key challenges:

• Unique Property Profile: The combination of a multi-million-pound valuation, non-standard construction, and expansive estate size placed the property beyond the scope of most traditional lenders.
• High Loan-to-Value Requirements: The client needed to maximise equity release from the property, demanding a specialised approach to assessing LTV.
• Specialist Lending Market: Identifying lenders willing to finance high-value, unique rural properties required extensive market knowledge and connections within this niche sector.

How We Made It Happen

• Recognising the complexities of the case, we applied our expertise in specialist property financing to deliver a tailored solution:

• Expert Analysis and Strategy: We carried out an in-depth assessment of the client’s property profile and financial requirements. This enabled us to pinpoint lenders with the expertise to handle high-value rural assets and accommodate the property’s unique construction.
• Access to Specialist Lenders: Drawing on our extensive network, we approached lenders experienced in financing bespoke, high-value properties and comfortable operating at maximum LTV ratios. Our understanding of their lending criteria allowed us to present the client’s case effectively, highlighting the estate’s value and potential.
• Efficient Process Management: Time was of the essence, and we worked closely with valuers, underwriters, and solicitors to ensure a seamless process. By coordinating every stage, we minimised delays and secured favourable terms that met the client’s objectives.

The Outcome

Thanks to our strategic approach, we successfully sourced specialist financing offers tailored to the client’s needs. This enabled them to access the funding they required, while preserving the value of their estate and offering flexibility for future financial planning.

This case highlights our ability to unlock lending solutions for high-value, non-standard properties. By combining in-depth expertise with robust industry connections, we delivered a bespoke solution that addressed the client’s immediate needs and strengthened their overall financial position.