I had dealt with one of my clients for a long time, when she asked me to start looking after her parents. Unfortunately, her father was very ill and passed away soon after her mother inherited his pension. This happened around 6 months before pensions freedom. By delaying any benefits from the pension plan for 6 months, her mother now has income free of tax from the pension, otherwise this would have been taxed. Her mother is now ill and needs care and this money can fund all her care costs that she needs.
A client wished to purchase a commercial property before it went to auction, we raised sufficient funds from his buy to let portfolio to make this happen, in time. This property we then refinanced to provide capital for a development loan which we assisted on for him to buy land and develop 2 properties. It really helps when you can look at both commercial and residential lending together to find the best outcome.