- Loan Amount: Circa £3,800,000
- Property Value: Circa £5,000,000
- Purpose: Acquisition of Prime Residence in Surrey
A senior executive in the global consulting industry approached Enness to secure a high-value mortgage for the purchase of a prime family residence in Surrey, one of the UK’s most desirable luxury property markets. Despite a strong fixed income, traditional lenders struggled to assess affordability because of the client’s complex financial profile, including significant equity holdings and an upcoming liquidity event from a planned business exit.
Leveraging our expertise in high-net-worth mortgage financing and complex income mortgage applications, Enness structured a bespoke mortgage solution that presented the client’s assets, income, and future liquidity in a lender-friendly way. This enabled us to secure a competitive 65% LTV mortgage from a private lender, overcoming the limitations of standard affordability assessments.
The mortgage was arranged on a flexible structure, allowing the client to manage repayments around future liquidity milestones while preserving capital for wider wealth planning. This provided certainty, optionality, and a strategic financing path aligned with both short- and long-term financial objectives.
This case highlights Enness’ ability to deliver tailored high-value mortgage solutions for high-net-worth individuals purchasing luxury homes in the UK, particularly when traditional lending metrics don’t fully reflect global assets, income streams, or liquidity events.
Information contained in our case studies is for market and illustrative purposes only. In some cases, these may be made up of multiple cases and are for illustrative purposes only.
Some case studies are made up of enquiries that have come into the business, not all business completes, and the posting of a case study does not represent a completed piece of business.
Property values can fall as well as rise, and you may not get back the amount originally invested. Property investments can be illiquid and may take time to sell. Where borrowing is used, your property may be repossessed if you do not keep up repayments on a mortgage or other loan secured against it.
