Fund Property
Desk@fundproperty.co.uk

Private and high-net-worth finance

Complex structures, offshore and trust borrowers. Lending arranged for people and entities that a credit-scoring box was never designed to recognise.

Complex structuresCorporate, trust and offshore
Non-UK residentsIncluding borrowers new to the UK
Assessed by a personSubstance rather than a scorecard
DiscreetNo credit search to get an answer

When the standard process stops working

Plenty of extremely well-capitalised borrowers get declined by mainstream lenders. Usually it has nothing to do with risk and everything to do with shape — the borrower does not fit the form. Income arriving as dividends, carried interest or distributions rather than as salary. Assets held through a company, a trust or an offshore structure. A recently arrived UK resident with no domestic credit history. Wealth that is entirely real and not especially liquid.

None of that is unusual at this end of the market. It simply needs to go to lenders who underwrite it properly.

Structures we work with

What tends to matter

In this part of the market the decision is made by a person rather than a scorecard, and that changes what is worth putting in front of them. The source and shape of the wealth. The rationale for the structure. Liquidity, and where it sits. The relationship the lender expects to have with the borrower.

Expect more questions about provenance than a high-street application would ever ask, and expect to answer them properly. That is the trade for being assessed on the substance of your position rather than on whether a computer recognises it.

Discretion

We do not run a credit search in order to give you an answer, and your details are not shared without your say-so. If you are an adviser making an enquiry for a client, you can put the transaction to us before naming them.

Working with advisers and introducers

A good share of this work reaches us through accountants, solicitors, IFAs and brokers acting for a client. Introducers are welcome, and fees are agreed in writing before anything is submitted.

Where the requirement is a scheme rather than a purchase, see development finance; where it is time-critical, see bridging.

Common questions

Can you arrange lending to an offshore company?
Yes. Offshore companies and non-UK resident borrowers are part of what this desk is for, alongside trusts and other complex ownership structures.
Can trustees borrow?
Yes. Trust and trustee borrowers are within scope. Expect the lender to want the trust structure and its rationale set out clearly.
I have no UK credit history. Is that a problem?
Not necessarily. It rules out lenders who rely on credit scoring, which is precisely why this sits with lenders who underwrite the substance of a case instead.
I am an adviser enquiring for a client. Can I approach you first?
Yes. Introducers, accountants, solicitors and IFAs are welcome, and you can put the transaction to us before naming the client. Fees are agreed in writing before anything is submitted.
Will you run a credit search?
No. We do not run a credit search in order to give you an answer, and your details are not shared without your say-so.
Is this lending FCA regulated?
No facilities sourced by Fund Property are regulated by the Financial Conduct Authority. Some bridging and buy-to-let lending is not regulated by the Financial Conduct Authority either.