- Client: UK-based British citizen acquiring a prime Mayfair residence
- Challenge: Securing high-value Sharia-compliant financing with maximum leverage for a prime residential purchase
- Loan Amount: Circa £12 million Sharia-compliant facility at approximately 75% loan-to-value
A UK-based client approached Enness Global seeking Sharia-compliant financing for the acquisition of a prime freehold residence in Mayfair valued at approximately £16.5 million. The objective was to secure a high level of leverage while ensuring the financing structure met the requirements of Islamic finance and remained suitable for long-term owner occupation.
The transaction presented several complexities. The facility represented a significant single exposure within a specialist area of the finance market, requiring a lender with experience in arranging high-value Sharia-compliant residential facilities. The structure also needed to accommodate a blended repayment profile while complying with the lender's Islamic finance framework.
Enness Global identified a specialist Islamic finance provider able to structure a circa £12 million facility at approximately 75% loan-to-value. The proposed financing incorporated an initial fixed-rate period together with a blended repayment profile combining profit-only and capital repayment elements, providing ongoing capital reduction while preserving flexibility throughout the term.
This case demonstrates how specialist Islamic finance solutions can support high-value residential acquisitions where conventional lending structures may not meet a client's financing preferences. By leveraging specialist lender relationships and structuring expertise, Enness Global arranged a bespoke solution aligned with the client's long-term property and wealth objectives.
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 and lender criteria. Loan amounts, loan-to-value ratios, pricing and financing 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 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.
