{"id":31361,"date":"2026-05-13T12:49:14","date_gmt":"2026-05-13T04:49:14","guid":{"rendered":"https:\/\/www.articusfinance.com\/?p=31361"},"modified":"2026-05-15T18:45:44","modified_gmt":"2026-05-15T10:45:44","slug":"a-4m-private-bank-refinance-using-a-swiss-frank-tracker-facility","status":"publish","type":"post","link":"https:\/\/www.articusfinance.com\/us\/case-studies\/a-4m-private-bank-refinance-using-a-swiss-frank-tracker-facility","title":{"rendered":"Arranging a \u00a34m Private Bank Refinance Using a Swiss Franc Tracker Facility"},"content":{"rendered":"<h3 data-start=\"512\" data-end=\"531\"><span style=\"color: #00424f\"><strong>Client Overview<\/strong><\/span><\/h3>\n<p data-start=\"186\" data-end=\"320\"><span style=\"color: #00424f\">The client was a high-net-worth UK resident who owned a prime residential property in London valued at approximately<strong> \u00a36.4 million.<\/strong><\/span><\/p>\n<p data-start=\"322\" data-end=\"489\"><span style=\"color: #00424f\">Their existing mortgage facility was approaching expiry, and they wanted to refinance onto a more efficient structure with significantly lower ongoing borrowing costs.<\/span><\/p>\n<p data-start=\"491\" data-end=\"698\"><span style=\"color: #00424f\">Given the size of the loan and the client\u2019s international financial profile, the transaction required specialist support within the<em> <strong data-start=\"623\" data-end=\"697\"><a class=\"decorated-link\" style=\"color: #00424f\" href=\"https:\/\/www.articusfinance.com\/us\/high-net-worth-mortgages\" target=\"_new\" rel=\"noopener\" data-start=\"625\" data-end=\"695\">high-value mortgage market<\/a><\/strong>.<\/em><\/span><\/p>\n<p data-start=\"701\" data-end=\"973\"><span style=\"color: #00424f\">Are you looking for specialist support with your refinance?\u00a0 <em><strong><a style=\"color: #00424f\" href=\"https:\/\/www.articusfinance.com\/us\/contact\">Click here to get in contact with one of our experienced brokers today.\u00a0<\/a><\/strong><\/em><\/span><\/p>\n<p data-start=\"763\" data-end=\"896\"><span style=\"color: #00424f\">&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/span><\/p>\n<h3 data-start=\"903\" data-end=\"920\"><span style=\"color: #00424f\"><strong>The Challenge<\/strong><\/span><\/h3>\n<p data-start=\"723\" data-end=\"831\"><span style=\"color: #00424f\">The client required a refinance of approximately <strong data-start=\"772\" data-end=\"786\">\u00a34 million<\/strong>, equating to around <strong data-start=\"807\" data-end=\"830\">62.5% loan-to-value<\/strong>.<\/span><\/p>\n<p data-start=\"833\" data-end=\"922\"><span style=\"color: #00424f\">While there was strong equity within the property, the client had several key objectives:<\/span><\/p>\n<ul data-start=\"924\" data-end=\"1138\">\n<li data-start=\"924\" data-end=\"960\" data-section-id=\"19w2s3w\"><span style=\"color: #00424f\">Reduce long-term borrowing costs<\/span><\/li>\n<li data-start=\"961\" data-end=\"1011\" data-section-id=\"jmf58s\"><span style=\"color: #00424f\">Secure a more sophisticated interest structure<\/span><\/li>\n<li data-start=\"1012\" data-end=\"1076\" data-section-id=\"ju0emm\"><span style=\"color: #00424f\">Avoid tying up substantial liquid assets with a private bank<\/span><\/li>\n<li data-start=\"1077\" data-end=\"1138\" data-section-id=\"hhd566\"><span style=\"color: #00424f\">Maintain flexibility around wider investment arrangements<\/span><\/li>\n<\/ul>\n<p data-start=\"1140\" data-end=\"1351\"><span style=\"color: #00424f\">Many private banks were willing to offer attractive pricing, but only subject to substantial <strong data-start=\"1233\" data-end=\"1266\">assets under management (AUM)<\/strong> requirements \u2014 often requiring several million pounds to be transferred to the bank.<\/span><\/p>\n<p data-start=\"1353\" data-end=\"1477\"><span style=\"color: #00424f\">The client wanted access to private banking pricing without unnecessary restrictions on liquidity and investment management.<\/span><\/p>\n<p data-start=\"3982\" data-end=\"4059\"><span style=\"color: #00424f\">Click here for more information on how we can assist you with <a href=\"https:\/\/www.articusfinance.com\/us\/private-bank-mortgages\"><em><strong>private bank mortgages.<\/strong><\/em><\/a><\/span><\/p>\n<p data-start=\"1355\" data-end=\"1428\"><span style=\"color: #00424f\">&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;<\/span><\/p>\n<h3 data-start=\"1435\" data-end=\"1467\"><span style=\"color: #00424f\"><strong>The Articus Finance Approach<\/strong><\/span><\/h3>\n<p data-start=\"1517\" data-end=\"1688\"><span style=\"color: #00424f\">Articus Finance reviewed both mainstream and private banking options before identifying a specialist private bank with appetite for high-net-worth residential refinancing.<\/span><\/p>\n<p data-start=\"1690\" data-end=\"1845\"><span style=\"color: #00424f\">After detailed discussions around the client\u2019s profile and objectives, we structured a facility denominated in <strong data-start=\"1801\" data-end=\"1823\">Swiss Francs (CHF)<\/strong> rather than Sterling.<\/span><\/p>\n<p data-start=\"1847\" data-end=\"2000\"><span style=\"color: #00424f\">This created access to a highly competitive <strong data-start=\"1891\" data-end=\"1954\">tracker product linked to the Swiss National Bank base rate<\/strong>, which at the time was sitting around <strong data-start=\"1993\" data-end=\"1999\">0%<\/strong>.<\/span><\/p>\n<p data-start=\"2002\" data-end=\"2225\"><span style=\"color: #00424f\">Importantly, we negotiated the facility without any formal assets under management requirement \u2014 a significant advantage compared to many competing private banking structures.<\/span><\/p>\n<p data-start=\"2227\" data-end=\"2391\"><span style=\"color: #00424f\">Alongside the mortgage itself, we also advised the client around interest-rate exposure and longer-term refinancing strategy in the context of rising UK swap rates.<\/span><\/p>\n<p data-start=\"1748\" data-end=\"1938\"><span style=\"color: #00424f\">&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-<\/span><\/p>\n<h3 data-start=\"1945\" data-end=\"1961\"><span style=\"color: #00424f\"><strong>The Solution<\/strong><\/span><\/h3>\n<p data-start=\"2415\" data-end=\"2453\"><span style=\"color: #00424f\">Articus Finance successfully arranged:<\/span><\/p>\n<ul data-start=\"2455\" data-end=\"2821\">\n<li data-start=\"2455\" data-end=\"2507\" data-section-id=\"maca7e\"><span style=\"color: #00424f\">A <strong>\u00a34 million<\/strong> equivalent private bank refinance<\/span><\/li>\n<li data-start=\"2508\" data-end=\"2569\" data-section-id=\"1il5uwk\"><span style=\"color: #00424f\">Facility secured against a <strong>\u00a36.4 million London property<\/strong><\/span><\/li>\n<li data-start=\"2570\" data-end=\"2615\" data-section-id=\"yiti3c\"><span style=\"color: #00424f\">Swiss Franc-denominated lending structure<\/span><\/li>\n<li data-start=\"2616\" data-end=\"2674\" data-section-id=\"2pxq4s\"><span style=\"color: #00424f\"><strong>Tracker pricing<\/strong> linked to the Swiss National Bank rate<\/span><\/li>\n<li data-start=\"2675\" data-end=\"2727\" data-section-id=\"rse7yb\"><span style=\"color: #00424f\"><strong>No formal AUM<\/strong> or investment transfer requirement<\/span><\/li>\n<li data-start=\"2728\" data-end=\"2821\" data-section-id=\"qjvi8e\"><span style=\"color: #00424f\">Flexible private banking structure aligned with the client\u2019s wider financial arrangements<\/span><\/li>\n<\/ul>\n<p data-start=\"2823\" data-end=\"2948\"><span style=\"color: #00424f\">The refinance delivered substantially lower pricing compared to equivalent Sterling fixed-rate options available at the time.<\/span><\/p>\n<p data-start=\"2950\" data-end=\"3198\"><span style=\"color: #00424f\">Clients exploring sophisticated funding structures can learn more through our wider<em><strong> <a class=\"decorated-link\" style=\"color: #00424f\" href=\"https:\/\/www.articusfinance.com\/us\" target=\"_new\" rel=\"noopener\" data-start=\"3036\" data-end=\"3109\">specialist mortgage solutions<\/a><\/strong><\/em> and<strong><em> <a class=\"decorated-link\" style=\"color: #00424f\" href=\"https:\/\/www.articusfinance.com\/us\/high-net-worth-mortgages\" target=\"_new\" rel=\"noopener\" data-start=\"3118\" data-end=\"3195\">high-net-worth financing services<\/a>.<\/em><\/strong><\/span><\/p>\n<p data-start=\"2950\" data-end=\"3198\">&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/p>\n<h3 data-start=\"3586\" data-end=\"3603\" data-section-id=\"1e0jwt2\"><strong><span style=\"color: #00424f\">The Result<\/span><\/strong><\/h3>\n<ul data-start=\"3220\" data-end=\"3469\">\n<li data-start=\"3220\" data-end=\"3261\" data-section-id=\"1vpptrt\"><span style=\"color: #00424f\">Significantly reduced borrowing costs<\/span><\/li>\n<li data-start=\"3262\" data-end=\"3304\" data-section-id=\"1lqhy49\"><span style=\"color: #00424f\">Access to ultra-low CHF-linked pricing<\/span><\/li>\n<li data-start=\"3305\" data-end=\"3366\" data-section-id=\"19yghjn\"><span style=\"color: #00424f\">Retention of liquidity without major investment transfers<\/span><\/li>\n<li data-start=\"3367\" data-end=\"3409\" data-section-id=\"1c9zpo\"><span style=\"color: #00424f\">Flexible long-term financing structure<\/span><\/li>\n<li data-start=\"3410\" data-end=\"3469\" data-section-id=\"nl9432\"><span style=\"color: #00424f\">Successful completion through a specialist private bank<\/span><\/li>\n<\/ul>\n<p data-start=\"3471\" data-end=\"3579\"><span style=\"color: #00424f\">The refinance completed smoothly despite the specialist currency structure and private banking requirements.<\/span><\/p>\n<h3 data-start=\"3586\" data-end=\"3603\" data-section-id=\"1e0jwt2\">&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-<\/h3>\n<h3 data-start=\"3586\" data-end=\"3603\" data-section-id=\"1e0jwt2\"><span style=\"color: #00424f\"><strong>Client Outcome<\/strong><\/span><\/h3>\n<p data-start=\"3605\" data-end=\"3793\"><span style=\"color: #00424f\">By structuring the refinance through a CHF-denominated tracker facility, the client secured an extremely competitive funding arrangement not widely available through the mainstream market.<\/span><\/p>\n<p data-start=\"3795\" data-end=\"3946\"><span style=\"color: #00424f\">This case demonstrates the value of accessing specialist lenders and international financing structures when arranging larger residential transactions.<\/span><\/p>\n<p data-start=\"3948\" data-end=\"4102\"><span style=\"color: #00424f\">You can read more examples of complex refinancing transactions within our <em><strong data-start=\"4022\" data-end=\"4101\"><a class=\"decorated-link\" style=\"color: #00424f\" href=\"https:\/\/www.articusfinance.com\/us\/case-studies?utm_source=chatgpt.com\" target=\"_new\" rel=\"noopener\" data-start=\"4024\" data-end=\"4099\">latest mortgage case studies<\/a><\/strong>.<\/em><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Client Overview The client was a high-net-worth UK resident who owned a prime residential property in London valued at approximately \u00a36.4 million. Their existing mortgage facility was approaching expiry, and they wanted to refinance onto a more efficient structure with significantly lower ongoing borrowing costs. Given the size of the loan and the client\u2019s international [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":21948,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[61],"tags":[],"class_list":["post-31361","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-case-studies"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.articusfinance.com\/us\/wp-json\/wp\/v2\/posts\/31361","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.articusfinance.com\/us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.articusfinance.com\/us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.articusfinance.com\/us\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.articusfinance.com\/us\/wp-json\/wp\/v2\/comments?post=31361"}],"version-history":[{"count":5,"href":"https:\/\/www.articusfinance.com\/us\/wp-json\/wp\/v2\/posts\/31361\/revisions"}],"predecessor-version":[{"id":31428,"href":"https:\/\/www.articusfinance.com\/us\/wp-json\/wp\/v2\/posts\/31361\/revisions\/31428"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.articusfinance.com\/us\/wp-json\/wp\/v2\/media\/21948"}],"wp:attachment":[{"href":"https:\/\/www.articusfinance.com\/us\/wp-json\/wp\/v2\/media?parent=31361"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.articusfinance.com\/us\/wp-json\/wp\/v2\/categories?post=31361"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.articusfinance.com\/us\/wp-json\/wp\/v2\/tags?post=31361"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}