A US national client approached Enness seeking to optimise their property portfolio through a strategic property acquisition designed to improve asset efficiency and increase financial flexibility. While the client had limited conventional income, they held substantial personal wealth primarily within investment assets.
The client required a high loan-to-value structure to support the property purchase while preserving liquidity. A key objective was to structure a facility that aligned with the client’s broader wealth strategy while ensuring the lender was comfortable with the client’s income profile and overall balance sheet.
The transaction presented two primary challenges. First, the client’s income structure did not fit conventional lending criteria, making standard affordability assessments more difficult. Second, the repayment strategy relied heavily on investment assets, requiring careful structuring and validation to meet lender requirements.
Enness worked closely with lenders capable of taking a broader view of the client’s financial position, focusing not only on traditional income but also on asset strength, liquidity, and investment holdings.
A bespoke financing structure was arranged at a high loan-to-value ratio, subject to lender criteria, using an interest-only structure designed to preserve liquidity and support the client’s long-term objectives. The client’s investment portfolio formed an important part of the wider affordability and repayment assessment.
By leveraging the client’s substantial investment holdings, Enness structured a financing solution aligned with both the client’s property objectives and broader wealth management strategy. The facility provided manageable repayment flexibility while preserving capital and supporting portfolio optimisation.
This case study demonstrates how tailored mortgage structuring can support borrowers with unconventional income profiles and substantial asset bases where traditional lending criteria may not fully reflect 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.
