Private Client Property Finance · UK · UAE · International
Private Client Property Finance
Your property is one part of your balance sheet. We look at the whole picture.
Significant wealth does not always fit neatly into a standard mortgage application. Property, businesses, investments, international income, existing assets and future liquidity can all form part of the wider financial picture. This page is an introduction to the IFA.AE Private Office. A property-finance requirement is the starting point for understanding your objective and wider financial position — not a mortgage application. Following a Private Office review, where you wish to pursue finance, the formal finance, application and advice process is undertaken separately through the relevant appropriately authorised provider.
Objectives
What are you trying to achieve?
Listed in no order of preference. The right avenue, if any, depends entirely on individual circumstances.
- 01
Purchase a Property
Financing a high-value home, second home or investment property, in the UK, the UAE or selected international markets.
- 02
Refinance an Existing Property
Reviewing an existing high-value mortgage where terms, circumstances or plans have changed.
- 03
Release Capital from Property
Exploring whether equity held in property could be released to meet another objective.
- 04
Bridge a Transaction
Short-term bridging finance where timing between a purchase, sale or liquidity event does not align.
- 05
Commercial Property Finance
Commercial mortgages for offices, retail, hospitality, mixed-use or investment buildings.
- 06
International Property Finance
Cross-border property finance where the property, residence, income or ownership sits in different countries.
- 07
Later-Life Property Finance
Later-life lending, including lifetime mortgages where relevant, considered alongside retirement and estate plans.
The balance sheet
Not the mortgage.
The whole position.
- 01
Wealth may be distributed across property, investments, businesses and several jurisdictions.
- 02
Income may come from multiple sources: employment, business dividends, rental, investment or international earnings.
- 03
Planned property sales, business events, investment maturities or other future liquidity can materially change the position.
Our Private Office assessment therefore begins by understanding what you own, what you owe, what you want to achieve and what happens next.
International
International and cross-border property finance
IFA.AE can consider enquiries involving the United Kingdom, the United Arab Emirates, Italy and Switzerland, together with selected other international circumstances, such as a UAE resident financing London property or an international client financing property in Dubai. International lending depends on the property, jurisdiction, residency, income, asset position, ownership structure, currency and lender criteria.
United Kingdom
London high-value mortgages, prime residential, country estates and commercial property.
United Arab Emirates
Dubai and Abu Dhabi property finance for residents and international clients.
Italy
Italian property finance for primary and secondary homes in selected regions.
Switzerland
Swiss property finance, where residency and lender criteria allow.
Related: Private Office · IFA Capital · International Estate Planning · Returning UK Expats
Private Office Assessment · Confidential
Private Office Property & Liquidity Assessment
Before an application, understand the position.
This assessment is designed to help IFA.AE understand your property, liquidity requirements, wider financial position and what you are seeking to achieve.
It is not a mortgage application and does not determine whether finance is available or suitable for you.
Where you decide to explore a finance solution following the assessment, the relevant application, regulated advice and/or arranging activity will be undertaken separately through the appropriately authorised provider.
- 1. Objective
- 2. Property
- 3. Residency & timing
- 4. Wider position
- 5. Wider planning
- 6. Contact
- 7. Summary
What are you trying to achieve?
Finance is subject to individual circumstances, lender criteria and availability. No finance, eligibility, interest rate, loan-to-value or outcome is guaranteed.
Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Where a service involves regulated mortgage, lifetime mortgage, investment or financial advice, the applicable regulatory status and the firm responsible for providing that service will be made clear before that service is provided.
Property finance is considered separately from investment and financial advice. Using any wider IFA.AE service is not a condition of exploring property finance.
Private client consultation
Your next step starts with a conversation.
Whether you're considering international property finance, refinancing, investment opportunities or broader financial planning, a confidential initial conversation can help establish your priorities and the options worth exploring.
Chris Wicks
Private Client Consultation
An initial consultation is exploratory. It does not, by itself, establish an advisory relationship or constitute a recommendation.
Select a date and time from Chris's live calendar. Availability is shown by Calendly, our booking provider.
Choose a convenient time for an introductory Zoom conversation.
The calendar is provided by Calendly and loads only when you choose to book; Calendly may set its own cookies. See our Privacy Policy. Prefer a new tab? Open Chris's booking page.