Key Details:
- Client: High-net-worth international investor
- Challenge: Securing high loan-to-value cross-border finance while preserving existing investment holdings and meeting a time-sensitive completion
- Loan Amount: Mortgage at approximately 80% loan-to-value on a primary residence valued at circa €7 million, subject to lender criteria
A high-net-worth international investor approached Enness Global seeking finance to acquire a primary residence in Europe valued at approximately €7 million. The client wished to secure a mortgage at approximately 80% loan-to-value, subject to lender criteria, while maintaining exposure to existing investment holdings rather than liquidating assets to fund the purchase. The transaction also involved a time-sensitive completion and cross-border financial considerations.
The transaction presented several complexities. The client had performance-based income and an international financial profile, which many mainstream lenders find difficult to assess using conventional affordability models. In addition, the client required a structure that would preserve liquidity and avoid the need to dispose of existing investments, significantly reducing the pool of suitable lenders.
Enness Global introduced a private bank experienced in lending to internationally mobile high-net-worth clients with complex income structures. A bespoke mortgage was structured against the property without requiring security over the client's offshore investment holdings. To support the time-sensitive nature of the transaction, a short-term bridging facility was also arranged as a contingency should it be required during the completion process, subject to lender approval.
This case demonstrates Enness Global's experience in arranging private banking solutions for international clients acquiring high-value residential property where cross-border income, liquidity management and execution timelines require specialist structuring.
Disclaimer
This case study is provided for illustrative purposes only and does not constitute financial, legal, tax or investment advice. The client scenario has been anonymised and certain details have been generalised to protect confidentiality. Finance is subject to status, underwriting, valuation, asset suitability, jurisdiction and lender criteria. Loan amounts, loan-to-value ratios and lending structures are indicative only and may vary depending on individual circumstances and market conditions. Enness Global acts as a credit broker and not as a lender.
Risk Warning
Your property may be repossessed if you do not keep up repayments on your mortgage or any debt secured against it.
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.
