- Client: International investors resident in the UAE
- Challenge: Cross-border bridge loan involving a trust ownership structure and an expiring existing mortgage
- Loan Amount: Circa €2M bridge facility
International investors resident in the UAE approached Enness Global seeking short-term liquidity through a 12-month bridge loan secured against a prime residential property in Europe valued at over €5M. The objective was to access capital quickly while preparing the property for sale within an anticipated 9–12-month timeframe. This provided a clear exit strategy for the facility and allowed the clients to pursue further investment opportunities without restructuring other assets within their wider portfolio.
The transaction involved several complexities. The property was held through a trust ownership structure spanning multiple jurisdictions, requiring careful lender selection and coordination between legal advisers. In addition, the clients' existing mortgage facility was approaching maturity, creating a fixed deadline to secure replacement funding and avoid disruption. Identifying a lender comfortable with both the ownership structure and the clients' international profile significantly narrowed the available lending options.
Enness Global introduced a specialist lender experienced in cross-border bridging transactions involving complex ownership structures. A circa €2M bridge facility was structured within approximately four weeks, refinancing the existing mortgage while providing the liquidity required ahead of the planned property sale. The facility was designed to maintain funding continuity and provide flexibility throughout the disposal process.
This case demonstrates how specialist bridging finance can support internationally based clients with complex ownership arrangements where timing is critical. By aligning the facility with a clearly defined exit strategy and coordinating the transaction across multiple jurisdictions, Enness Global delivered a tailored funding solution that preserved liquidity while avoiding disruption from an expiring mortgage.
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, pricing 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
Bridging finance is a short-term borrowing solution and may not be suitable for all borrowers. Your property may be repossessed if you do not keep up repayments on borrowing 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.
