- Property Type: Residential property, London
- Property Value: £4,250,000
- Loan Amount: £3,187,500
- LTV: 75%
Enness regularly works with clients whose income structures fall outside conventional lending criteria, including entrepreneurs, self-employed individuals, contractors, and borrowers with complex wealth arrangements.
In this case, Enness was approached by a client seeking to purchase a prime residential property in London. The client had limited conventional employment income but substantial liquid assets following a significant capital event. The client wished to retain liquidity and preserve investment flexibility rather than deploy a larger proportion of capital into the property purchase.
The client’s financial position presented several complexities. Most traditional lenders rely heavily on regular earned income when assessing affordability. In this case, the client’s ability to service the mortgage was closely linked to investment assets and broader wealth rather than conventional salary-based income.
A specialist lending approach was required. Enness explored private banking solutions capable of taking a broader view of the client’s balance sheet, including liquid assets and investment holdings, rather than focusing solely on employment income.
A private bank was identified that was comfortable assessing the client as a high-net-worth borrower and taking a holistic view of overall wealth. A mortgage was structured at 75% loan-to-value with pricing aligned to the client’s profile, asset position, and facility structure, subject to lender criteria.
The lender was also comfortable considering the client’s investment portfolio as part of the wider affordability assessment, enabling a structure aligned with the client’s liquidity and wealth management objectives.
This case study demonstrates how specialist mortgage structuring can support borrowers with complex income profiles where traditional affordability models may not fully reflect overall financial strength.
Disclaimer:
This case study is for illustrative purposes only and does not constitute financial, legal, or tax advice. Finance is subject to status, underwriting, asset suitability, and lender criteria. Borrowing against property carries risk, and failure to meet repayment obligations may put secured assets, including property, at risk.
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.
