The client was a European national living abroad with an estimated net worth of approximately £30 million. Their income came from diversified international business interests, generating a stable annual income of around £2 million. With banking relationships spread across several jurisdictions, the client required an international mortgage solution that aligned with a globally structured financial profile.
The client sought financing for a prime Central London residential purchase valued at around £8 million. They required a facility of approximately £4.8 million (60% LTV). Because their income and banking were internationally based, the client preferred an international mortgage facility that allowed for funding in a non-sterling currency to support long-term planning.
Key considerations included securing a structure that supported multi-currency flexibility while managing potential FX exposure. The mortgage needed to remain competitively priced, preserve liquidity, and allow for future refinancing options. As an internationally based borrower acquiring a high-value UK property, the lender also needed to assess global income flows and accommodate cross-border financial arrangements.
Enness approached private banking lenders experienced in structuring international mortgages for globally based clients. Options included multi-currency facilities and products ranging from short-term trackers to longer-term fixed structures. The recommended solution balanced repayment flexibility, currency considerations, and interest-rate planning. Valuation and legal costs remained consistent with standard private-bank pricing.
A competitive 60% LTV international mortgage with multi-currency capability was secured. The financing enabled the client to complete the purchase efficiently, manage currency exposure, and maintain long-term liquidity. The structure supported the client’s international financial strategy and provided flexibility for future restructuring.
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.
