Case Studies

Over Borrowed Professionals

We have succesfully completed several tax efficient bank restructures for
over-borrowed individuals and companies.

The properties involved are usually investment properties or business premises.

Typical example 

  • Individuals trading successully & paying tax at top rate.
  • Negative equity in respect of property investments
  • Property, loans & business restructured through a company and sometimes combined with a bank write-off.

Property owned by individual

  • Value €1 million
  • Borrowings €1 million


  • Individual cannot meet loan repayments out of after tax income.


  • Individual transfers property & their business into a company
  • Company pays individual in return for the transfer
  • Company obtains new bank loan
  • Individual pays off old bank loan

Potential tax saving over time is €850k


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