- Client: European national living overseas
- Net Worth: Approximately £30 million
- Property: Prime Central London residence valued at circa £8 million
- Loan Amount: Circa £4.8 million
- Loan to Value: Approximately 60%
- Structure: International mortgage with multi-currency capability
The client was a European national living overseas with an estimated net worth of approximately £30 million. Their income was derived from diversified international business interests, generating stable annual earnings of around £2 million. With banking relationships established across several jurisdictions, the client required an international mortgage solution capable of accommodating their globally structured financial profile.
The client was seeking finance for the acquisition of a prime Central London residence valued at approximately £8 million. They required circa £4.8 million of borrowing, representing approximately 60% loan-to-value. Given the international nature of their income and banking arrangements, the client also wanted a facility with multi-currency capability to support longer-term financial planning and provide greater flexibility around the currency in which the borrowing was held.
The main challenge was structuring the mortgage around the client’s international financial position while managing the potential impact of currency movements. The facility needed to remain competitively structured, preserve liquidity and provide flexibility for potential future refinancing. The lender also needed to be comfortable assessing international income flows and banking relationships across multiple jurisdictions rather than relying solely on conventional UK-based financial documentation.
Enness Global approached private banking lenders experienced in arranging international mortgages for globally based high-net-worth clients. Several structures were considered, including multi-currency facilities and options ranging from shorter-term tracker arrangements to longer-term fixed-rate solutions. The final structure was positioned to balance repayment flexibility, currency considerations and interest-rate planning while taking the client’s wider financial position into account.
Enness Global secured a competitive international mortgage at approximately 60% loan-to-value with multi-currency capability, subject to lender criteria. The facility enabled the client to proceed with the Central London acquisition while retaining liquidity and greater flexibility around their international financial arrangements.
The structure also provided scope for future refinancing and portfolio planning, allowing the client to maintain a financing arrangement aligned with their wider international wealth strategy. This case demonstrates how specialist private banking relationships can help internationally based borrowers secure high-value UK property finance where income, assets and banking relationships span multiple jurisdictions.
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. Where borrowing or income is denominated in a foreign currency, exchange-rate movements may affect the cost of servicing the loan and the amount required to repay 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.
