Chris Lloyd
HEAD OF PRIVATE CLIENTS
Chris joined Enness in 2014 after beginning his career at a leading UK Building Society. He specialises in arranging complex finance for high-net-worth individuals, including residential bridging, buy-to-let, and private bank mortgages. Known for his expertise in structuring solutions for clients with non-standard income or residency profiles, Chris consistently delivers tailored outcomes in challenging scenarios.
About Chris
Chris started his career at a leading UK Building Society, where he gained experience in various roles before becoming a mortgage consultant for the firm. Chris joined Enness in 2014, initially broking high-value mortgages. He continues to specialise in broking finance for high-net-worth individuals in unusual scenarios, including residential bridging loans, buy-to-let investments and portfolio financing, second charge lending, lending into retirement and private bank mortgages. Chris is especially adept at delivering finance for individuals with complex income structures, non-resident and foreign nationals, and clients with unusual backgrounds and financing requirements that need specialist negotiation.
Contact Chris
One of the top performing brokers at Enness, Chris has become extremely well-respected in the industry.
Specialist Services
500
A large network of trusted
6
Global market locations
15+
Years of experience.
Enness arranges bespoke mortgage solutions for high-net-worth individuals, supporting complex UK and international property purchases, refinancing, and portfolio structuring.
Offering fast, flexible short-term finance, Enness helps clients complete property transactions, refinance, or unlock capital quickly for time-sensitive opportunities.
Enness provides tailored funding solutions for entrepreneurs and companies, enabling growth, expansion, and strategic investments across multiple sectors.
Access liquidity without selling digital assets. Enness structures high-value crypto-backed loans, allowing clients to retain long-term exposure while unlocking immediate capital.
From luxury residences to large-scale developments, Enness delivers customised real estate funding solutions for investors, developers, and private clients globally.
Enness helps clients unlock capital by borrowing against investment portfolios, offering a flexible and efficient alternative to asset liquidation.
Finance luxury assets such as fine art, aircraft, and superyachts. Enness creates bespoke lending structures tailored to the unique requirements of high-net-worth clients.
Enness Insurance Brokers offer discreet, tailored insurance solutions for individuals and businesses, providing comprehensive cover for valuable assets and long-term security.
Trusted by more than 400+ clients worldwide.
Questions Chris Often Gets Asked
Can bridging finance help if a property purchase is time-sensitive?
Are residential mortgages available for high-value or complex cases?
How do bridging loans work alongside residential mortgages?
What factors do lenders consider for bridging or residential mortgages?
Mortgage Case Studies
Our mortgage case studies highlight how Enness secures bespoke property finance solutions for high-net-worth clients. From complex income structures to international purchases and private bank lending, each case demonstrates our expertise in arranging tailored mortgages that meet unique client needs and timelines.
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Mortgage Insights
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