A tailored debt facility structured with the property asset as the sole collateral, eliminating the need for the client to place assets under management to proceed with the transaction.
Dry Lending
Traditionally, private banks have required high-net-worth individuals to transfer significant assets under their management (AUM) as part of a property financing proposal. This approach ensures security and facilitates broader relationship planning. However, our experienced advisers understand that this may not always align with our clients’ wealth portfolios. Through our extensive network, we collaborate with lenders who adopt a more flexible stance on AUM requirements, focusing primarily on the property as collateral from day one.
Dry Lending refers to the provision of a high-value mortgage without the need to move other assets or AUM to the same private bank that is financing the loan. While your global wealth, including assets and liabilities, will be considered during the credit underwriting process, the key advantage is that you can retain your assets elsewhere.
By combining our expertise with your financial needs, we’ll work to achieve the most favorable outcome for your wealth position.
At Premier Gold Investments Ltd, we find dry lending especially attractive to high-net-worth clients, as it allows them to focus solely on the property transaction without disrupting assets that are likely part of a long-term strategy elsewhere.
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