Illustrative Example: This anonymised case study demonstrates how Enness can arrange a bespoke refinance mortgage for international high-net-worth clients.
An internationally based dual-national approached Enness to refinance a London property valued at approximately £5 million. The client’s primary objective was to release capital for diversification while preserving existing offshore income and wealth structures.
The client required a refinance mortgage under 55% LTV on an interest-only basis, capable of accommodating offshore income, maintaining multi-jurisdictional flexibility, and supporting long-term wealth-planning arrangements.
The key challenge was structuring a facility that allowed capital extraction while preserving offshore assets and multi-currency flexibility. Lenders needed to assess cross-border financial arrangements and provide terms suitable for high-net-worth international borrowers.
Enness sourced a private-bank lender experienced in international clients and offshore income structures. The tailored refinance mortgage allowed the client to maintain existing wealth-planning frameworks while releasing capital efficiently, preserving flexibility and liquidity.
The client successfully extracted capital from the London property while maintaining strong equity and flexibility for future financial planning. The refinance mortgage enabled redeployment of funds into new opportunities without disrupting offshore arrangements.
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.
