Islay Robinson

Islay Robinson is the co-founder and CEO of Enness Global. He arranges high-value UK mortgages and high-value mortgages in prime European cities, Jersey and Guernsey, for high-net-worth and ultra-high-net-worth clients, including large loans, prime London property finance and lending for clients with complex or international income.

A high-value mortgage is typically a residential mortgage of £1m or more, often secured against prime property. These cases usually need bespoke underwriting rather than standard high-street criteria, because the borrower's income, assets or property type falls outside automated lending models. Enness arranges these through private banks and specialist lenders.

Yes. Enness arranges high-value mortgages across prime European cities, including markets such as Paris, the French Riviera, Monaco, Lisbon, Madrid, Marbella and Geneva, as well as Jersey and Guernsey. The team works with European private banks and lenders to finance prime property purchases for UK and international buyers.

Yes. Enness regularly arranges high-value mortgages for British expats, foreign nationals and non-residents buying in the UK and across prime European cities. The team works with lenders that accept overseas income, foreign-currency earnings and assets under management, and structures finance for clients who bank or earn internationally.

Yes. Prime central London is one of Enness's core markets. The team arranges high-value and large mortgages for purchases and refinances across prime London, working with private banks and specialist lenders to structure finance for both UK residents and international buyers.

A large mortgage generally refers to lending well above standard high-street limits, often into the tens of millions. Enness specialises in large and complex loans and has arranged multi-million-pound facilities against prime UK and international property, structured around each client's income, assets and ownership.

A specialist broker has access to many private banks and lenders at once, including those that do not deal directly with the public. For high-value and complex cases, Enness identifies which lenders will consider the client's circumstances, manages the process, and negotiates terms that may not be available on the open market.

No. Enness Global is a credit broker and protection intermediary, not a lender. It is a trading name of Enness Limited, authorised and regulated by the Financial Conduct Authority (FCA registration number 565120). Enness arranges finance with lenders and private banks on behalf of its clients.

There is no fixed ceiling. Enness regularly arranges mortgages from £1m to tens of millions, with the limit set by the client's income, assets, and the property, rather than a lender's standard cap. The real constraint on large loans is rarely the headline number. It is whether the lender can get comfortable with the full financial picture, which is where structure and preparation decide the outcome.

Lenders treat income as complex when it does not arrive as a simple monthly salary. That includes company profits, dividends, carried interest, bonuses, foreign-currency earnings, trust income and returns held inside corporate structures. High-street affordability models often fail to accurately assess these, which is why high-net-worth clients are often declined despite having substantial means. Enness works with lenders that underwrite the whole position by hand.

Yes. Enness arranges UK mortgages for British expats, non-residents and foreign nationals, including clients paid in foreign currency or banking offshore. The work is in matching the client to lenders that accept overseas income and international assets, then structuring the application so the lender has certainty on the source of funds and repayment. Currency and tax residence shape which lenders will engage.

European lending runs on different rules. French lenders weigh affordability strictly and cap total borrowing against income; Spanish and Portuguese banks price and lend differently again, often with lower loan-to-values for non-residents. Local private banks frequently offer the strongest terms, but do not deal directly with overseas buyers. Enness bridges that gap, working with European lenders and private banks to finance prime purchases for UK and international clients.

Often, yes. A client with significant UK property or an investment portfolio can raise capital here, through a remortgage, equity release or a securities-backed line, and deploy it toward an overseas purchase. The alternative, a local mortgage in the destination country, is not always faster or cheaper. Which route wins depends on timing, currency and how the assets are held. That is a structuring question before it is a rate question.

Because automated lending models are built for predictable salaried borrowers, not for wealth. A client worth tens of millions can fail an affordability tick-box if income is irregular, internationally sourced or held inside companies and trusts. The issue is rarely the borrower's strength. It is that mainstream systems cannot process it. Private banks and specialist lenders underwrite these cases individually, which is the market Enness operates in.

It varies with complexity, but timing is usually the real constraint, not price. A straightforward prime London case can move quickly; a cross-border purchase with trust ownership and multi-currency income takes longer because more parties need certainty. The way to protect a completion date is preparation: getting the structure, documentation and lender engagement right before the deadline, not after.

Loan-to-value depends on the property, location and lender rather than a single rule. Prime UK residential can reach higher LTVs with the right lender, while non-resident purchases in parts of Europe may require more equity. For clients who would rather not commit large cash deposits, options such as securities-backed lending can supplement a mortgage, letting the client keep investments in place rather than selling to fund a purchase.

Yes. Releasing equity from a UK or international property can fund another purchase, an investment, a business need or simply provide liquidity without selling the asset. The recurring principle is that selling is not the only way to access capital, and often not the most efficient. The right route depends on the asset, the timeline and the wider balance sheet.

Enness is a credit broker, not a lender, and is authorised and regulated by the Financial Conduct Authority (FCA registration number 565120). Fees are explained clearly before a client proceeds, and any commission arrangement is disclosed in advance. Some products and services Enness arranges are regulated by the FCA, and some are not, which is confirmed to the client before they proceed.