- International ultra-high-net-worth clients resident in the UK
- Property valued above €3.5 million
- Circa €2.3 million refinance with equity release
Enness Global was approached by an EU-based private bank representing a married ultra-high-net-worth couple residing in the United Kingdom. The clients sought to refinance a luxury villa in Spain, which was not their primary residence but formed part of a broader international property portfolio. Over the course of successful careers, the couple had built significant wealth across multiple asset classes and wanted a refinancing structure aligned with their long-term global investment strategy, subject to lender criteria.
The case required careful navigation of cross-border considerations, including UK residency, multi-jurisdictional connections, and international asset holdings. The clients’ income profile was also complex, comprising base salary, bonuses, equity-based compensation, and profit-sharing distributions. This required a lender capable of taking a holistic view of wealth, liquidity, and long-term earning capacity.
Identifying a banking partner comfortable with both international income and complex remuneration structures was essential, subject to underwriting assessment.
Following a detailed review of private banking appetite, Enness arranged a long-term refinance with a lender experienced in international high-net-worth lending. The structure provided refinancing of the existing borrowing while also enabling a modest equity release to support liquidity and wider portfolio flexibility, subject to credit approval.
The transaction progressed efficiently from initial engagement to completion, supported by the clients’ proactive approach to documentation and communication, helping facilitate underwriting and execution.
This case study demonstrates Enness Global’s experience in structuring cross-border property finance solutions for ultra-high-net-worth individuals with complex international wealth structures and multi-jurisdictional income profiles.
Regulatory Notice:
Finance secured against overseas property, including property in Spain, may fall outside UK FCA regulation. Regulatory protections available for UK-regulated mortgage products may not apply.
Disclaimer:
This case study is for illustrative purposes only and does not constitute financial, legal, tax, or currency advice. Finance is subject to status, underwriting, asset suitability, jurisdiction, and lender criteria. Borrowing against property carries risk, and failure to meet repayment obligations may put secured assets, including property, at risk. Equity release reduces the amount of equity held in the property and may affect future financial flexibility. Where borrowing, income, or assets involve different currencies, exchange rate movements may increase costs or affect affordability.
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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.
