· Client Type: UK-based property investors
· Property Value: Circa £500,000 (multi-unit freehold block)
· Loan Amount: Circa £375,000
· Loan-to-Value (LTV): 75%
A pair of property investors approached Enness to refinance a multi-unit freehold residential block in England, valued at around £500,000. The property comprised approximately 15 residential units held under a single freehold title. With an existing low-leverage mortgage reaching the end of its term, the clients wanted to increase borrowing to release capital and fund further property acquisitions while securing a stable and predictable mortgage structure.
The clients’ priority was maximising capital release while maintaining manageable and predictable monthly repayments in retirement. As the asset was a multi-unit freehold block, many mainstream buy-to-let lenders were unsuitable, reducing the pool of available lenders. The refinance also needed to offer medium-term rate stability, allowing the clients to focus on future investments without exposure to interest rate volatility or overly complex lending terms.
Enness arranged a circa £375,000 mortgage at 75% loan-to-value, structured on a five-year fixed-rate, interest-only basis. This solution released significant equity while providing predictable monthly payments, enabling the clients to reinvest into additional properties. The structure was carefully aligned with their retirement objectives, balancing security, affordability, and flexibility.
Enness specialises in securing finance for complex and specialist property types, including multi-unit freehold blocks. With access to over 500 UK and international lenders, we identify competitive solutions even where traditional routes are limited. Our expertise ensures landlords can maximise equity release while maintaining affordability and long-term stability.
For investors restructuring portfolios or raising capital for future acquisitions, Enness delivers tailored refinancing solutions designed around individual objectives
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.
