- Client: UK nationals, UK residents
- Portfolio Value: Approximately £12 million
- Loan Amount: Approximately £7 million
Enness was approached by clients seeking to restructure and transfer ownership of a portfolio comprising both residential and commercial properties.
The transaction required a lender comfortable with a complex ownership transfer structure while also providing sufficient funding to clear existing borrowing and raise additional capital to meet tax liabilities arising at completion.
The case involved several challenges. The first was identifying a lender able to accommodate the transaction structure proposed by the clients’ accountants and advisers. The second was affordability. Despite relatively conservative gearing, some assets within the portfolio had lower yields, which reduced overall borrowing capacity.
Additional complexity arose from historic business events within the wider financial background of the incoming owners. These required careful explanation and lender review as part of the underwriting process.
Enness worked closely with lenders capable of assessing complex portfolio transactions and broader financial circumstances. A suitable lender was identified that could accommodate the structural requirements of the case and provide funding aligned with the clients’ objectives.
Working alongside the accountants, tax advisers, and solicitors, Enness helped structure the facility to refinance existing borrowing while also raising additional capital to meet tax liabilities due at completion. The structure also supported the clients’ broader long-term succession and wealth planning objectives.
Enness also worked with the family’s advisers to present the wider financial background clearly and comprehensively, enabling the lender to take a balanced view of the overall transaction.
This case study demonstrates how specialist mortgage and structured finance solutions can support complex ownership transfers involving mixed-use portfolios, tax considerations, and multi-party professional coordination.
Disclaimer:
This case study is for illustrative purposes only and does not constitute financial, legal, tax, or investment advice. Finance is subject to status, underwriting, asset suitability, and lender criteria.
Risk Warnings:
Your property may be repossessed if you do not keep up repayments on your mortgage or other borrowing secured against it.
Buy-to-let and investment property finance carries risk. Property values and rental income can go down as well as up, which may affect affordability and repayment strategy.
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.
