- International ultra-high-net-worth clients resident in the UK
- Property valued above €3.5 million
- Circa €2.3 million refinance with equity release
A married ultra-high-net-worth couple, resident in the UK, required a refinancing solution for a luxury villa in Spain that formed part of their wider international property portfolio. Introduced to Enness Global by a European private bank, the clients wanted to refinance the existing borrowing while releasing additional equity to support liquidity and broader investment planning without disrupting their long-term property strategy.
Although the clients had substantial wealth, arranging finance involved more than simply refinancing an overseas property. Their financial affairs spanned multiple jurisdictions, and their income was derived from a combination of salary, annual bonuses, equity-based remuneration and profit-sharing. Presenting this profile effectively required a lender capable of assessing the clients' wider financial position rather than relying on conventional affordability models alone.
Working closely with private banking partners experienced in international lending, Enness identified a lender whose underwriting approach aligned with the clients' circumstances, subject to lender assessment and approval. A long-term refinancing facility of approximately €2.3 million was arranged, repaying the existing borrowing while releasing additional equity to provide greater liquidity and flexibility across the clients' wider investment portfolio.
The transaction progressed efficiently from initial discussions through to completion, supported by clear communication between all parties and the clients' prompt provision of documentation throughout the underwriting process.
This case highlights how specialist private banking relationships can support international borrowers with complex income structures and cross-border assets. Where financial affairs extend across multiple jurisdictions, careful lender selection and the presentation of a client's overall wealth position can be just as important as the property itself.
Regulatory Notice
Finance secured against overseas property, including property in Spain, may fall outside UK FCA regulation. Regulatory protections available for UK-regulated mortgage products may not apply.
Disclaimer
This case study is provided for illustrative purposes only and does not constitute financial, legal, tax or currency advice. Enness Global acts as a broker and not as a lender. All lending is subject to status, underwriting, valuation, jurisdiction and lender approval. Loan terms and lending structures vary depending on individual circumstances and market conditions. Equity release reduces the amount of equity held in a property and may affect future financial flexibility. Where borrowing, income or assets involve different currencies, exchange rate movements may increase borrowing costs or affect affordability. Independent professional advice should be sought before entering into any financial arrangement.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or any debt secured against it.
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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.
