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Frequently Asked Questions

  • What are the mortgage rates for MEA-based borrowers buying in the UK?

    For a £1 million-plus buy-to-let property, Enness can broker mortgages in the range of 1.74% (fixed for two years) and 1.94% (fixed for five years) with no assets under management. Terms can last up to 35 years but are dependent on deposits of 25% (max LTV of 75%).

    If you are looking at buying property of more than £5 million, Enness can broker 100% LTV for investment properties or HNW exempt occasional use mortgages. You will need to put assets under management to benefit from these deals. Two-year tracker mortgages start at around 1.19% + base, and five-year tracker mortgages start at 1.29% + base. For £5 million-plus property purchases, two-year fixed mortgages start at 1.49%, and five-year fixed rates start at 1.59%.

  • What are the mortgage rates for MEA-based borrowers buying in France?

    For a French property purchase of €1.5 million-plus with 70% LTV, Enness can broker deals for capital repayment mortgages with fixed rates in the 1.8% fixed range with terms of up to 20 years. For a €1.5 million property purchase in France with 100% LTV (capital repayment or interest only), Enness can broker mortgages starting at about 1.2%.

  • What LTV can I get for a UK investment property?

    Deposits of 20-25% are the norm for non-resident buyers, but you will have more options if you are a high-net-worth individual. Interest-only and high LTV mortgages are usually possibilities, as are 100% mortgages (with assets under management). However, these are generally only available on an ‘introduction only’ basis and lenders do not publicise them or make them readily available through usual contact channels. 

    Many MEA and Dubai-based borrowers are eligible for a high-net-worth mortgage for a UK property purchase. Here, you can opt out of regulated oversight (which influences affordability and what lenders can offer in terms of how much you can borrow and LTV), and you may find you can benefit from a better rate with this type of financing arrangement. Your broker will be able to explain how these mortgages work if you are qualified for a high-net-worth mortgage and your options.  

  • Are high-value mortgages in France a possibility for non-residents?

    Yes. French property is very popular with non-residents for both investments, residences and holiday homes, so there are plenty of options for finance. Many lenders offer large mortgages to non-residents, especially for Parisian and Cote d’Azur purchases. French domestic lenders are always worth exploring, but they don’t always provide the most competitive finance packages for non-residents. Often, international lenders can offer better rates or more flexible terms.

  • Who can purchase property in the UK?

    There are no restrictions on owning property in the UK, regardless of nationality and residency status. Many Emirati nationals and EMA residents choose to buy residential, buy-to-let and investment property in the UK. 

    Getting a mortgage as a non-resident can be less straightforward than if you are based in the UK, however. Working with a mortgage broker is generally the easiest and fastest way to secure the most competitive finance offers. A brokered mortgage will be especially helpful the first time you buy property in the UK, when you need a high-value mortgage or have what lenders view as a ‘complex’ background. 

  • Who can purchase property in France and Europe?

    Dubai residents and MEA nationals often favour French property purchases, and there are no restrictions on who can buy a French property. High-value French property is popular for both investment and buy-to-let purchases. Holiday homes and secondary residences are also in-demand and are possible for MEA-based borrowers, given how easy it is for non-residents to own French property. 

    French mortgages can be more complex to arrange yourself if you are a non-resident. In some cases, international lenders offer the most competitive rates for French non-resident buyers. Working with a broker helps get the best rates and terms and your ability to source offers from the lenders best suited to meet your needs.

    Across Europe, property ownership restrictions can vary from country to country. However, countries like Spain and Portugal have relatively few rules in this respect and can offer residency schemes through property investment, if required. 

  • What are the regulations for high-value mortgages in the UK and France?

    Both France and the UK have plenty of options for non-UK based borrowers. Regulations will differ in both countries, but generally, lenders will be focusing on your ability to meet standard AML, compliance and source of funds legislation. However, lenders will also consider affordability especially carefully. While you are likely to have several options in both the UK and France for property finance, your options will always be conditional on you being able to make repayments over the loan term comfortably.


London HQ


64 North Row
London W1K 7DA


Islay Robinson

Islay Robinson

[email protected]

Monaco Office


Le Cimabue
16 Quai Jean-Charles Rey
98000 Monaco


Dubai Office


Office 13
Boulevard Plaza Tower 1
Burj Khalifa Street
Dubai, UAE


Jersey Office


Office 17, First Floor
International Finance
Centre 5, The Esplanade
St Helier JE2 3BY


Zurich Office


Löwenstrasse 20
8001 Zürich


Geneva Office


Route de Pré-Bois 29
World Trade Center
1215 Meyrin

Our approach to all new requests and clients is as follows:

  • Step 1: First Contact


    All first contacts are managed by a relationship manager who understands the market we operate in, can quickly see if we can help or not, and will match the client to the best possible broker based on their needs. 

  • Step 2: Arranging a Meeting


    The client will then speak to the broker at a time that suits them and over the most appropriate medium – we get this part arranged as fast as possible and can often happen instantly.

  • Step 3: Meeting your Broker


    The broker will work quickly to understand the client’s position, background, circumstances and plans. At this stage, we will only talk and we won’t ask for paperwork or forms to be filled unless it is absolutely necessary.

  • Step 4: Discussing your Options


    The broker will then explain what we think is possible (from the widest view of the market), what it will cost, what the process will be and what the risks or problems to be overcome are.

  • Step 5: Agreeing on your Mortgage


    At this point, if the client is happy, we will set to work on agreeing on the mortgage terms in principle, assembling paperwork and documents to support the case, discussing the lending request with the correct people at the banks we think are best placed and doing as much as possible to ensure the first approach will work.

  • Step 6: Submitting your Application


    Then, at this point, if the client wishes to proceed with a formal application, our fees are agreed and we set to work on the formal application. 

  • Step 7: Closing the Deal


    Through the entire process, we will be hands-on and pushing every detail to ensure the transaction is completed as cleanly and quickly as possible, managing all other parties in the process.