Private Education Support

Private Education Support

 

A solution to heavily discount the finance of student education

 

As a company we like to help as many people as possible, Which is why this idea came to us after speaking with a client who had two young children he wanted to put through private school. When we looked at the numbers, we realised that with his current savings, he could only afford about 50 months of school fees—just over four years. That raised the obvious question: how would he cover the rest of their education, which could easily span over a decade?

That conversation made it clear just how many parents might be in a similar situation—wanting to give their children the best possible start in life, but unsure how to fund it all the way through.

Within our network we have developed a structured plan to help extend his financial capacity in a sustainable, long-term way. That same father became one of our first clients to adopt this Private Education Support plan, and nearly a year on, he's seeing consistent results and feels far more secure about being able to support his children’s full education journey.

Test Case:

Many of the families we support within our network are high net worth individuals who want to give their children the advantage of a private education. However, the cost of private schooling over the course of primary and secondary years can add up significantly—often exceeding £250,000 by the time a child finishes their education.

Through a structured loan note arrangement, parents can commit the required capital to HW/HJM. Over time, this capital generates returns that help offset ongoing education expenses such as school fees, uniforms, extracurricular activities, and other school-related costs.

At the end of the agreed term, the original capital is returned to the parent—meaning they’ve supported their child’s full education journey while preserving their wealth and reducing the net cost. It’s a smart, long-term planning solution that brings clarity and confidence to private education funding.

 

Education is one of the most valuable investments a family can make—it equips children with the knowledge, confidence, and opportunities they need to thrive, both personally and professionally

 

The Terms:

Loan Length: Twelve Months

Interest Paid: 5 Options:

1. 1.5% per month on initial loan of £10,000-£500,000
2. 2% per month on initial loan of £55,000 - £100,000
3. 2.5% per month on initial loan of £105,000 - £200,000
4. 3% per month on initial sum of £250,000 - £450,000
5. 3.5% per month on initial sum of £500,000 +

Minimum Lend: £10,000

Frequency of Payments: Quarterly 

The Process:

 

Step One: Client engages with a member of the team to meet and discuss requirements.

Step Two: Once client goals are discussed, sign up paperwork is issued specific for the client.

Step Three: Once paperwork and client ID is filed, a loan agreement is submitted.

Step Four: Loan agreement is completed and client funds into Limited company account.

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