Key Details:
- Client: High-net-worth individual newly resident in the UK
- Challenge: Securing finance with limited conventional UK income while funding refurbishment and addressing short-term liquidity requirements
- Loan Amount: Ten-year interest-only private banking facility secured against multiple prime London properties
A high-net-worth individual approached Enness Global shortly after becoming a UK resident. Although the client had a strong overall balance sheet, they had limited provable income under conventional underwriting following a transition into a new UK business venture. The client had also acquired a prime London property requiring significant refurbishment and required additional liquidity while managing wider financial commitments.
The transaction presented several complexities. Many mainstream lenders rely heavily on established UK income when assessing affordability and are less able to accommodate recently relocated clients with non-traditional financial profiles. The structure also needed to support staged refurbishment funding while providing flexibility for the client's broader financial planning. Although the client held substantial digital assets, these were verified as part of the overall financial assessment but were not relied upon to service the borrowing.
Enness introduced a private banking lender experienced in working with internationally mobile high-net-worth clients. A ten-year interest-only facility was structured, secured across multiple unencumbered London properties. The facility incorporated an initial liquidity tranche alongside staged refurbishment drawdowns, released subject to lender requirements and professional certification where applicable.
This case demonstrates Enness Global's experience in arranging bespoke private banking solutions for clients with complex wealth profiles, non-traditional income structures, and multiple financing objectives where conventional lending criteria may not be appropriate.
Disclaimer
This case study is provided for illustrative purposes only and does not constitute financial, legal, tax or investment advice. The client scenario has been anonymised and certain details have been generalised to protect confidentiality. Finance is subject to status, underwriting, valuation, asset suitability and lender criteria. Loan amounts, loan-to-value ratios and lending structures are indicative only and may vary depending on individual circumstances and market conditions. Enness Global acts as a credit broker and not as a lender.
Risk Warning
Your property may be repossessed if you do not keep up repayments on your mortgage or any debt secured against it.
Digital Assets
Enness does not provide advice on digital assets or investments. Where digital assets form part of a client's overall financial profile, independent professional advice should be sought before making any investment or borrowing decisions.
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.
