Toby Johncox
GROUP MD
Toby Johncox is Group Managing Director at Enness, specialising in high-value, complex property finance for global clients. With over 15 years of experience and a proven track record in the UK and Middle East, he is known for delivering bespoke, client-focused solutions and leading the firm’s global strategy.
About Toby
With over 15 years of experience in mortgages and real estate, Toby Johncox specialises in structuring high-value, complex property finance transactions across the globe. Known for his precision, speed of execution and creative problem-solving, Toby has built a reputation for delivering bespoke solutions for some of the world’s most exceptional properties and clients.
In 2016, Toby and his wife moved to Dubai, where he launched Enness’s Middle East office as Principal Representative. Over the next eight years, he partnered with leading families and private offices across the region, building a trusted network and a track record of landmark financing deals.
Now back in London with his young family, Toby serves as Group Managing Director of Enness. He leads the firm’s global strategy, driving growth and innovation while maintaining the meticulous standards and client-focused culture that define the company’s reputation in international property finance.
A former member of Great Britain’s Junior Rowing Team, Toby brings the same focus, discipline, and competitive spirit to his professional life, earning recognition as one of the Spears 500 Recommended Advisors.
Contact Toby
Toby brings over a decade of expertise in London’s property and financial services sectors, delivering trusted insights and sophisticated solutions.
Specialist Services
500
A large network of trusted
6
Global market locations
15+
Years of experience.
Enness provides bespoke mortgage solutions for high-net-worth clients, supporting UK and international property purchases, refinancing, and complex investment transactions.
Fast and flexible bridging loans allow clients to act quickly on property acquisitions, refinancing, or development projects, offering short-term funding for complex deals.
Enness delivers tailored business lending solutions, helping entrepreneurs and companies fund growth, expansion, and strategic investments with expert guidance.
Access liquidity without selling cryptocurrency holdings. Enness offers high-value crypto-backed loans for fast and efficient capital access.
From residential purchases to commercial developments, Enness structures bespoke real estate finance solutions for investors and developers globally.
Unlock capital using investment portfolios as collateral. Enness provides flexible, fast securities-backed lending without the need to liquidate assets.
Finance high-value assets such as fine art, superyachts, and collectibles. Enness delivers bespoke lending solutions for global high-net-worth clients.
Enness Insurance Brokers offer personalised insurance and protection solutions for private and commercial clients, providing comprehensive coverage tailored to unique needs.
Trusted by more than 400+ clients worldwide.
Questions Toby Often Gets Asked
How can I achieve high loan-to-value (LTV) on my property?
Can international clients borrow against UK or overseas property?
Is it possible to borrow money without a traditional income?
Can I raise finance against non-property assets?
What types of clients benefit most from these financing solutions?
Mortgage and Bridging Case Studies
Enness case studies showcase our expertise in delivering tailored financial solutions for high-net-worth clients. Our mortgage case studies highlight bespoke lending for residential, investment, and international property transactions, while our bridging finance case studies demonstrate fast, flexible short-term funding for property purchases, refinancing, and development projects.
Mortgage and Bridging Insights
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