- Client: High-net-worth international investor
- Property Type: Primary residence in Europe
- Property Value: Circa €7 million
- Loan Type: Mortgage at approximately 80% LTV, subject to lender criteria
- Loan Purpose: Acquisition financing without liquidating other investments
- Execution: Time-sensitive completion
A high-net-worth European investor sought financing to purchase a primary residence valued at circa €7 million. The client required a structured mortgage at approximately 80% loan-to-value, subject to lender criteria, allowing them to maintain exposure to existing investment holdings without triggering the sale or redemption of capital. Timing pressures and cross-border considerations added complexity to the transaction.
Enness sourced a private bank experienced in underwriting clients with performance-based and cross-border income streams. The facility was structured solely against the property, with no pledge over offshore investment vehicles and no requirement to liquidate existing investments.
To support the time-sensitive nature of the transaction, a short-term bridging facility was also pre-approved in parallel to help manage timing risk and maintain flexibility during completion.
The client completed the purchase within the required timeframe while preserving their broader wealth strategy. The structure provided leverage and flexibility, accommodating performance-driven income and cross-border considerations.
This case study demonstrates how private banking solutions can support international clients acquiring high-value residential property where traditional lending criteria may not align with complex income structures and wealth arrangements.
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, jurisdiction, and lender criteria.
Risk Warning:
Your property may be repossessed if you do not keep up repayments on your mortgage or other borrowing 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.
