Lombard Loan to Fund Prime London Property Purchase

Key Details:

• Client: UK nationals, retired senior executives from public institutions
• Property Value: Circa £6,000,000
• Loan Amount: Circa £5,500,000
• Solution: Lombard-style facility secured against a listed share portfolio

A professional adviser introduced Enness Global to UK clients who had previously held senior public-sector roles and were approaching retirement. The clients were looking to acquire what they intended to be their final primary residence in Prime London, while retaining ownership of an existing super-prime mews property in London. Although the clients had a strong balance sheet, they required a solution that allowed them to move quickly to meet exchange deadlines without unnecessarily disrupting their wider asset and liquidity strategy.

The transaction was time-sensitive, taking place shortly before the Christmas period, when lender availability and processing timelines can be more constrained. In addition, the clients already had a lifetime mortgage in place on their existing property, secured at an attractive rate during the Covid period, which they were reluctant to disturb. They were also keen to avoid liquidating a substantial listed share portfolio, as doing so could have resulted in tax consequences and reduced their long-term investment exposure.

Enness Global arranged a Lombard-style credit facility secured against the clients’ listed shares, allowing them to fund the Prime London purchase without selling the portfolio or restructuring their existing property finance. The facility was structured to provide flexibility and access to capital, with the final terms subject to lender criteria, asset suitability, market conditions and the clients’ individual circumstances.

Leveraging established private banking relationships, Enness coordinated lender onboarding and account setup alongside the wider transaction timetable. This helped the clients progress towards drawdown within the required timeframe, subject to completion of the lender’s due diligence, documentation and credit requirements.

This case demonstrates the role specialist securities-backed lending can play where clients hold substantial investment portfolios but wish to access liquidity without immediately selling their investments. By aligning lender appetite with the clients’ objectives, Enness Global structured a bespoke financing solution designed to balance execution requirements with broader wealth and asset-planning considerations.

Important Information

This case study is illustrative and anonymised. It does not constitute financial, legal, tax or investment advice and does not represent a guaranteed outcome. Lombard and securities-backed lending arrangements are subject to lender criteria, asset suitability, market conditions and individual circumstances.

Enness Global does not give advice on Securities-Backed Lending or investments, and lender introductions are unregulated. Clients should seek independent legal, tax and financial advice before entering into any arrangement.

Risk Warning

The value of shares and other investments can fall as well as rise. Where borrowing is secured against an investment portfolio, a fall in the value of the underlying assets may result in margin calls, additional collateral requirements or the sale of pledged assets, subject to the terms of the facility. Failure to meet repayment obligations may result in the loss of secured assets.