- Loan Amount: Circa £3.8 million
- Property Value: Circa £5 million
- Loan to Value: Approximately 65%
- Purpose: Acquisition of a prime residence in Surrey
A senior executive in the global consulting industry approached Enness Global seeking a high-value mortgage for the acquisition of a prime family residence in Surrey. The property, valued at approximately £5 million, required circa £3.8 million of borrowing. Despite the client having a strong fixed income, their overall financial profile was more complex than a conventional affordability assessment could easily capture, with significant equity holdings and a forthcoming liquidity event linked to a planned business exit.
The key challenge was presenting the client’s wider financial position in a way that accurately reflected their long-term borrowing capacity. Traditional lenders typically place greater emphasis on established income and standard affordability metrics, which can overlook substantial assets and anticipated liquidity. The client therefore required a lender capable of taking a broader view of their wealth, existing investments and future capital position.
Enness Global leveraged its experience in high-net-worth mortgage structuring and complex income mortgage applications to present the client’s financial position to specialist lenders. By combining the client’s income, assets and anticipated liquidity event within the overall lending proposition, Enness identified a private lender able to accommodate the required borrowing.
A bespoke mortgage was arranged at approximately 65% loan-to-value, providing the circa £3.8 million required for the Surrey acquisition. The structure offered flexibility around future repayment, allowing the client to manage the borrowing in line with anticipated liquidity milestones while preserving capital for wider wealth-planning requirements.
The resulting facility provided the client with certainty around the property acquisition while maintaining optionality as their financial position evolved. Rather than relying solely on traditional income multiples, the lender was able to consider the wider circumstances and strength of the client’s balance sheet.
This case demonstrates how specialist mortgage structuring can support high-net-worth individuals purchasing prime UK property where conventional affordability models may not fully reflect significant assets, equity holdings and forthcoming liquidity events. Enness Global’s access to specialist private lenders allows complex financial profiles to be positioned appropriately and structured around both immediate property requirements and longer-term wealth objectives.
Disclaimer:
This case study is for illustrative purposes only and does not constitute financial, legal, tax or investment advice. Finance is subject to status, underwriting, asset suitability and lender criteria. Terms and outcomes will vary depending on individual circumstances and are not guaranteed.
Risk Warning:
Your property may be repossessed if you do not keep up repayments on your mortgage or other borrowing secured against it.
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.
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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.
