- Loan Amount: Circa £14.3 million
- Property Value: Circa £23.5 million
- Loan to Value: Approximately 60%
- Repayment: Interest-only
- Purpose: Acquisition of prime London property
A high-net-worth international client who had recently relocated to the UK approached Enness Global to arrange a high-value mortgage for the acquisition of a prime London residence. The client, an established investment professional and founder of a successful business, required a UK mortgage that reflected their substantial global wealth while preserving liquidity across their wider investment portfolio.
The proposed acquisition was valued at approximately £23.5 million, with the client seeking circa £14.3 million of borrowing. The key consideration was structuring the financing at a level that provided sufficient leverage for the purchase without requiring the client to deploy excessive capital from their wider investment holdings.
As a recently relocated international borrower, the client’s financial profile required a lender comfortable with assessing global assets and wealth alongside their UK circumstances. Enness Global positioned the application with private banking lenders experienced in international clients and high-value residential transactions, focusing on the strength of the overall balance sheet rather than relying solely on conventional UK affordability measures.
Enness Global secured a bespoke interest-only mortgage of approximately £14.3 million, representing around 60% loan-to-value. The structure provided the client with the leverage required to complete the acquisition while retaining a significant proportion of their capital for wider investment opportunities and future liquidity requirements.
The interest-only structure also provided greater cash-flow flexibility during the mortgage term, with the capital balance remaining outstanding and requiring repayment through an appropriate strategy at the end of the term. This allowed the financing to be aligned with the client’s broader investment strategy and anticipated future liquidity.
The resulting facility enabled the client to establish a prime London property base while maintaining flexibility across their international wealth portfolio. The case demonstrates the importance of specialist structuring when financing high-value UK property for internationally based clients with substantial global assets.
Enness Global’s experience with international mortgages and private banking relationships allows complex financial profiles to be presented to lenders capable of taking a holistic view of wealth, assets and long-term objectives. This can be particularly valuable for high-net-worth clients whose circumstances extend beyond the parameters of conventional UK mortgage lending.
Important:
With an interest-only mortgage, monthly payments cover interest only and do not reduce the capital balance. The original loan amount remains outstanding and must be repaid at the end of the mortgage term through a suitable repayment strategy. Any future liquidity event, investment return or asset sale used as part of an intended repayment strategy is subject to market conditions and is not guaranteed.
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. Terms and outcomes will vary depending on individual circumstances and are not guaranteed.
Risk Warning:
Your property may be repossessed if you do not keep up repayments on your mortgage or other borrowing secured against it. Property values can fall as well as rise.
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.
