- Client: UK-based high-net-worth client with substantial market-based income
- Challenge: Secure high loan-to-value financing while preserving liquidity
- Loan Amount: Circa 95% loan-to-value mortgage with highly competitive pricing
A UK-based high-net-worth client with substantial market-based income approached Enness seeking finance for the acquisition of a prime London residential property. The client had a strong overall financial profile, supported by substantial earnings, a significant liquid investment portfolio, and diversified assets.
The client’s objective was centred around capital efficiency rather than access to funding. Rather than committing a substantial deposit toward the acquisition, the client wanted to preserve liquidity and maintain exposure to higher-return investment opportunities. Preserving capital while securing favourable financing terms was a key priority.
The main challenge was securing finance at a very high loan-to-value ratio for a prime residential property. Borrowing at this level is uncommon, particularly within the higher-value property market, where lenders typically require significant equity contributions regardless of a borrower’s broader financial strength. Conventional underwriting models often place significant emphasis on deposit size rather than taking a holistic view of wealth, liquidity, and long-term repayment capacity.
Enness conducted a targeted review of private banking lenders capable of assessing the transaction more broadly. The selected lender focused not only on the property itself, but also on the client’s earnings, overall asset position, liquidity profile, and clearly defined long-term repayment strategy. This broader approach enabled a bespoke facility to be structured at approximately 95% loan-to-value.
The mortgage was arranged with highly competitive pricing relative to market alternatives and provided flexibility around capital management while aligning with an agreed long-term deleveraging strategy.
This case highlights how, for sophisticated high-net-worth borrowers, leverage can be a strategic tool rather than a necessity. Where income, assets, and repayment strategy are sufficiently strong, preserving capital for higher-return opportunities can create greater long-term value than committing significant liquidity to a property acquisition. Through specialist structuring and private banking relationships, Enness delivered a bespoke solution aligned with the client’s wider wealth strategy.
Disclaimer
This case study is anonymised and provided for illustrative purposes only. It does not constitute financial, legal, tax, or investment advice. Enness acts as a broker and not as a lender. All lending is subject to status, underwriting, valuation, and lender approval. Loan terms, pricing, and maximum loan-to-value ratios vary depending on individual circumstances, asset profile, and market conditions. Outcomes are not indicative of future results. Independent professional advice should be sought before entering into any financial arrangement.
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.
