Key Details:
- Client: UK-based entrepreneur and property investor
- Challenge: Refinancing a short-term bridging loan where wealth was concentrated in business assets rather than conventional personal income
- Loan Amount: Long-term refinance at approximately 60% loan-to-value on a London investment property valued at circa £8 million
A UK-based entrepreneur and experienced property investor approached Enness Global seeking to refinance a London investment property valued at approximately £8 million. The property had originally been acquired using a short-term bridging loan, which had provided speed of execution but was approaching maturity. The client required a long-term refinancing solution that would reduce financing costs while preserving flexibility for future portfolio growth.
The transaction presented several complexities. Although the client had substantial overall wealth, much of it was held within business assets and generated through dividend-led income rather than conventional salary. This made affordability more difficult to assess under traditional lending models. In addition, the refinance needed to be completed within the term of the existing bridging facility, reducing the pool of lenders able to support the transaction.
Enness Global introduced a private bank experienced in lending to high-net-worth property investors with complex financial profiles. A long-term refinance was structured at approximately 60% loan-to-value, with the lender taking a broader view of the client's overall asset position alongside the property's rental income. The facility was arranged on a five-year interest-only tracker basis with no early repayment charges, providing flexibility for future refinancing or asset sales, subject to lender terms.
This case demonstrates Enness Global's experience in arranging long-term refinancing solutions for property investors with complex wealth structures, where specialist private banking relationships can provide alternatives to conventional lending criteria.
Disclaimer
This case study is provided for illustrative purposes only and does not constitute financial, legal, tax or investment advice. The client scenario has been anonymised and certain details have been generalised to protect confidentiality. Finance is subject to status, underwriting, valuation, asset suitability and lender criteria. Loan amounts, loan-to-value ratios and lending structures are indicative only and may vary depending on individual circumstances and market conditions. Enness Global acts as a credit broker and not as a lender.
Risk Warning
Your property may be repossessed if you do not keep up repayments on your mortgage or any debt secured against it.
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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.
