- Client: High-net-worth international couple
- Challenge: Securing long-term interest-only finance for a high-value property acquisition
- Loan Amount: Circa £3.2M mortgage at approximately 70% loan-to-value
A high-net-worth international couple approached Enness seeking finance for the acquisition of a prime London residential property valued at over £4.5M. Their objective was to structure the purchase on an interest-only basis, keeping monthly obligations as low as possible while preserving liquidity across their wider investment portfolio.
The transaction presented challenges not because of the clients’ financial strength, but because of the structure required. The clients had clear income, substantial assets, and a credible long-term repayment strategy. However, securing a large mortgage on a fully interest-only basis over a long-term horizon significantly reduced the pool of suitable lenders.
Most conventional lenders are reluctant to offer sizeable interest-only facilities for higher-value residential purchases, particularly over longer terms. Standard high-street lending criteria typically favour capital repayment structures and more rigid affordability assessments, which did not align with the clients’ objectives.
Enness identified a specialist private banking lender with experience in high-net-worth residential lending and complex wealth-based underwriting. The lender took a holistic view of the clients’ financial position, considering broader assets, liquidity, and repayment capacity rather than relying solely on traditional affordability models.
A bespoke mortgage facility of circa £3.2M was arranged at approximately 70% loan-to-value over a 20-year term. The facility was structured on an interest-only basis, providing the clients with low monthly servicing costs and maximum flexibility in managing their wider capital allocation strategy. Importantly, the structure also allowed flexibility for early repayment or reduction of borrowing should the clients wish to deleverage in the future.
The clients completed the acquisition on their preferred timeline with a financing solution tailored to their long-term wealth strategy and cash flow preferences.
This case highlights that, for high-net-worth borrowers, loan size and interest-only structuring are not necessarily barriers to securing finance. With the right lender and specialist structuring, substantial borrowing can be arranged in a way that supports liquidity, flexibility, and broader wealth planning objectives.
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.
Risk Warning: Your home 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.
