A swift and sophisticated Lombard loan solution for a Dubai-based client
We recently worked with a wealthy Dubai-based client who came to us through one of our regular broker partners. After transferring their investment portfolio to our platform, they were keen to take advantage of our flexible lending solutions, particularly our ability to provide loans secured against the assets they hold with us.
Their vision was well-considered. They wanted to refinance their existing Dubai property mortgage to secure a more competitive rate, fund a renovation of the same property, and establish a pre-approved loan for future UK property investment. They wanted the comfort of knowing that when the perfect UK opportunity arose, funds would be readily available.
Our clients' situation
The client was working to a tight timeframe, with the Dubai refinancing needing quick action to secure the best available terms. What made this particularly challenging was the need to coordinate multiple moving parts – the refinancing, renovation planning, and future UK investment preparation – all happening simultaneously.
We were impressed by how well-prepared our client was throughout this process. They came to us with comprehensive documentation, including detailed architectural plans for their renovation project and complete mortgage statements. This level of preparation made a significant difference to help us move quickly and efficiently.
Our task was to create a financial structure that would serve their immediate Dubai needs while building in the flexibility for future UK property purchases. Since they hadn’t yet found a specific UK property to buy, we needed to design a solution that would allow quick release of funds when the right opportunity presented itself, all while ensuring compliance with the different regulatory requirements across jurisdictions.
The facility we developed stayed well within our Lombard lending criteria while building in the flexibility our client needed for their UK property purchase.
Our clients' outcome
We delivered a solution that met our client’s goal. Our team constructed a sophisticated £2 million loan that seamlessly addressed both their urgent Dubai requirements and their strategic UK investment plans through carefully structured forward-looking affordability assessments.
The facility we developed stayed well within our Lombard lending criteria while building in the flexibility our client needed for their UK property purchase. We ensured that affordability worked not just for their immediate needs, but also for their future investment plans, giving them genuine confidence in their financial capacity
From our initial review of documentation through to issuing the offer letter and releasing funds, we delivered everything within an impressively short timeframe. Our client successfully completed their Dubai refinancing, secured their renovation funding, and established the foundation for their future UK property investments.
Our client appreciated how we balanced the need for speed with our commitment to thoroughness, ensuring they received the sophisticated financial solution without any compromise on service quality. This successful partnership showcased our dedication to understanding each client’s unique circumstances and responding with the expertise, efficiency, and personal attention they expect.
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Any examples of investments and structures used are for illustrative purposes only. This case study does not constitute an invitation or inducement to buy any financial investment or service. None of the content constitutes advice or a personal recommendation. Individuals should seek professional advice, based on their jurisdiction and personal circumstances, before making any financial decision.
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