redirect her capital into its expansion. She wanted to re-mortgage the property and take £2 million out of it which then turned the application into a self-build mortgage. This situation was more complex than usual due to a few reasons. Firstly, lenders don’t usually like to enter a project after it has begun as they like to have control over the direction in which it is heading. My client’s income was also paid from an offshore location where she worked most of the time and as it was consequently untaxable in the UK a lot of banks were not interested in the project or granting her the self-build mortgage she needed. With a project of this size I would usually approach a private bank. However, as all of my client’s assets were tied up in extra shares she did not have enough assets for a private bank to take interest.