- Client: UK national resident in Singapore
- Requirement: Circa £3M facility for a prime Central London property acquisition
- Wealth Profile: Estimated net worth of approximately £25M, concentrated in corporate equity
- Challenge: Cross-border residency and concentrated, insider-linked equity requiring enhanced lender due diligence
The client was a UK national residing in Singapore with an estimated net worth of approximately £25M, with a significant proportion of their wealth concentrated in equity linked to a single corporate employer. The client required approximately £3M to acquire a prime Central London residence and wanted to access liquidity without unnecessarily reducing their existing equity exposure.
The transaction presented several complexities. The concentrated nature of the client’s equity position required careful consideration of the underlying security, while the connection between the client and the relevant company meant enhanced due diligence and appropriate disclosure were required. The client’s Singapore residency also introduced cross-border considerations and limited the pool of lenders able to assess the transaction.
Enness Global identified a specialist private lender experienced in complex equity-backed financing and international client structures. The proposed solution was structured around the client’s existing equity position, subject to lender assessment, valuation, due diligence and the specific terms of the facility. The structure was designed to provide access to liquidity without requiring an immediate sale of the underlying equity.
The facility supported the client’s proposed property acquisition while allowing them to retain their existing equity position, subject to the terms and conditions of the financing. The case demonstrates how specialist lending can provide alternative liquidity solutions for internationally based clients with substantial but concentrated wealth, where conventional affordability and lending criteria may not be appropriate.
ENNESS DOES NOT PROVIDE ADVICE ON SECURITIES-BACKED LENDING OR INVESTMENTS. LENDER INTRODUCTIONS ARE UNREGULATED. TERMS AND AVAILABILITY ARE SUBJECT TO INDIVIDUAL CIRCUMSTANCES, UNDERLYING SECURITIES AND LENDER CRITERIA.
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.
