Clients based in Europe approached Enness to release equity from a prime London freehold residence valued at approximately £4.5 million. The property had been part of their long-term asset base, and they sought capital to fund extensive renovation works while preserving ownership and their broader financial structure.
The clients required an equity release mortgage at a conservative loan-to-value ratio of up to 55%, raising circa £1.6 million. The facility needed to accommodate international income, provide interest-only servicing, and offer staged drawdown to align with the renovation programme.
Arranging a cross-border facility for non-UK residents required a lender capable of assessing offshore income streams and structuring a low-gearing, interest-only solution. Drawdown flexibility was essential to ensure capital matched the phased renovation schedule, while equity preservation remained a priority.
Enness sourced a private lender experienced with international clients and high-value UK residential property. The bespoke equity release mortgage provided staged capital release, interest-only payments, and flexibility to accommodate the renovation timeline. The structure preserved long-term ownership and integrated with the clients’ wider wealth planning framework.
The clients successfully accessed circa £1.6 million for renovations while retaining strong equity and long-term control of their London residence. The facility delivered efficient capital release, supported phased spending, and ensured an internationally suitable funding solution.
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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.
