- Circa €5 million high-leverage mortgage for a main residence
- Structured for a European client with no recurring employment income
- Property security and portfolio pledge used to support the lending structure
Following the successful sale of a business several years earlier, a European entrepreneur wanted to purchase a new primary residence in France while preserving a significant proportion of their liquid wealth. Although the client had substantial assets, they were no longer receiving regular employment income, making the financing requirements less straightforward than a conventional residential mortgage application.
The objective was not simply to obtain finance, but to structure the purchase in a way that supported the client's broader wealth and capital allocation strategy. As the property was being acquired as a main residence in France, the transaction also needed to satisfy local consumer lending regulations and affordability requirements, which often place considerable emphasis on recurring income rather than overall net worth.
Despite the client's strong financial position, many lenders were unable to accommodate the combination of high leverage and the absence of ongoing employment income. Securing an appropriate solution required a lender experienced in cross-border private banking, capable of considering liquidity, investment assets and the client's wider financial profile alongside more traditional underwriting criteria, subject to lender assessment.
Working with specialist international private banking partners, Enness arranged a bespoke financing structure combining security over the property with a pledge against part of the client's investment portfolio. Subject to lender approval and regulatory requirements, this supported borrowing of approximately €5 million while allowing the client to preserve liquidity for wider investment and wealth planning purposes.
The transaction completed in approximately 12 weeks, enabling the client to acquire the property while maintaining flexibility across their wider investment portfolio. The case highlights how specialist private banking solutions can support borrowers whose wealth profile differs from conventional income-based lending models.
Regulatory Notice
Finance secured against overseas property, including property in France, and lending involving securities-backed structures or portfolio pledges may fall outside UK FCA regulation. Regulatory protections available for UK-regulated mortgage products may not apply.
Disclaimer
This case study is provided for illustrative purposes only and does not constitute financial, legal, tax, investment or currency advice. Enness Global acts as a broker and not as a lender. All lending is subject to status, underwriting, valuation, jurisdiction and lender approval. Loan terms, pricing and lending structures vary depending on individual circumstances and market conditions. Where investment portfolios are pledged as security, fluctuations in their value may require additional collateral or partial repayment. Where borrowing, income, assets or liabilities involve different currencies, exchange rate movements may increase borrowing costs or affect affordability. Independent professional advice should be sought before entering into any financial arrangement.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or any debt 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.
