Illustrative Example: This anonymised case study demonstrates the type of refinancing solutions Enness can arrange.
A senior executive based in the UK approached Enness to arrange financing for a primary residence in Surrey valued at approximately £4.8 million. The client had substantial annual income and a confirmed future liquidity event, enhancing long-term repayment capacity.
The client required a facility of around £3.12 million (circa 65% LTV) on a fully interest-only basis. The facility needed flexibility for partial repayments or capitalisation of interest prior to the anticipated liquidity event.
Traditional loan-to-income assessments did not fully capture the client’s future liquidity profile. The challenge was structuring a residential mortgage that allowed short-term cashflow efficiency while reflecting forthcoming asset realisation.
Enness arranged private-bank financing designed for senior professionals with strong income and upcoming liquidity events. The bespoke structure offered interest-only payments with optional capitalisation and early partial repayment options, aligning the facility with projected financial circumstances and providing flexibility for cashflow management.
The client secured the Surrey residence with a tailored residential mortgage that balanced competitive structuring with long-term repayment visibility. The arrangement provided flexibility, maintained lender comfort through a holistic assessment of financial position, and supported the client’s broader financial planning objectives.
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.
