- Client: International investors resident in the UAE
- Challenge: Cross-border structure involving a trust ownership vehicle and trust ownership structure with an expiring existing mortgage
- Loan Amount: Circa €2M bridge facility
International investors resident in the UAE approached Enness seeking to unlock short-term liquidity through a 12-month bridge loan secured against a luxurious residential property in a European jurisdiction valued at above €5M. The objective was to access capital quickly while preparing the property for sale within a planned 9–12-month window. This provided a clear exit strategy for the facility and allowed the clients to pursue additional investment opportunities without restructuring other assets within their wider portfolio.
The primary complexity in the transaction arose from the multi-jurisdictional ownership structure. The property was held through a cross-border trust ownership structure, requiring careful lender consideration and cross-border coordination. In addition, the clients’ existing mortgage facility was approaching expiry, creating time pressure to secure replacement funding before maturity. Identifying a lender comfortable with both the ownership structure and the international client profile was essential to delivering a workable solution within the required timeframe.
Enness introduced a specialist lender experienced in structuring cross-border bridging facilities secured against residential property held through corporate vehicles. A circa €2M bridge loan was arranged within four weeks, providing the clients with the liquidity required ahead of the anticipated property sale while refinancing the existing expiring facility. The structured approach ensured continuity of funding and preserved flexibility during the disposal process.
This case demonstrates how specialist bridging finance can support internationally based clients with complex ownership structures when timing is critical. By aligning the facility with a defined exit strategy and coordinating across jurisdictions, Enness delivered a solution that preserved investment flexibility while avoiding disruption from an expiring mortgage facility.
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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.
