- UK-based British citizen acquiring a prime Mayfair freehold residence
- Property valued at approximately £16.5 million
- Circa £12 million Sharia-compliant facility at approximately 75% loan-to-value
A UK-based client approached Enness Global to arrange Sharia-compliant financing for the acquisition of a prime freehold residence in Mayfair valued at approximately £16.5 million. The objective was to secure maximum leverage while ensuring the structure complied fully with Islamic finance principles and remained suitable for long-term owner-occupation.
The transaction presented several complexities. The facility represented a large single exposure within a relatively niche Islamic finance market, requiring a lender with both sufficient appetite and experience in high-value residential transactions. In addition, the structure needed to accommodate a blended repayment mechanism while remaining fully aligned with Sharia-compliant financing frameworks.
Enness Global sourced a specialist Islamic lender capable of delivering a circa £12 million facility at approximately 75% loan-to-value. The loan was structured with a short-term fixed-rate period and a blended repayment profile combining interest-only and amortising components, allowing ongoing capital reduction while maintaining flexibility.
The final structure provided the client with fixed-rate certainty, optimal leverage, and a financing solution fully aligned with Sharia principles. The facility preserved liquidity for broader portfolio investments while supporting long-term ownership of a prime London residence.
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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.
