Mortgage Refinance for High-Net-Worth Clients

Optimizing Property Financing for Long-Term Wealth Growth

Our client, a successful entrepreneur and property investor in Mauritius, sought to refinance existing debt while acquiring a new property. Byrd & Partners structured an optimized financing solution to balance loan servicing with rental income, ensuring financial efficiency.

Problem: Managing Multiple Property Investments with High-Value Loans

The client owned a luxury villa valued at Rs. 38.5M, generating rental income but carrying existing mortgages. They aimed to acquire a new Rs. 12.2M apartment while consolidating outstanding loans. The challenge was structuring a financing model that minimized cash strain while optimizing long-term value.

Solution: Strategic Refinancing and Loan Structuring

BYRD & Partners structured a loan strategy leveraging:

  • Rental income and salary allocation for debt servicing.
  • A phased repayment plan ensuring the LTV decreases to 20% within 10 years.
  • DSCR improvements from 1.6x to 2.5x over time, ensuring sustainable financing.

 

“BYRD & Partners provided a structured approach to property investment, allowing me to optimize my assets and cash flow with confidence.”

-Private Client testimonial

Result: Sustainable Property Investment Growth

With our refinancing strategy, the client secured their new property, streamlined loan repayment, and positioned themselves for long-term wealth accumulation. The structured financing ensures stability while allowing for continued asset appreciation.

Loan Amount

Rs. 22.5M

Initial Loan-To-Value (LTV)

44%

Debt Service Coverage Ratio (DSCR) Start

1.6 x