Key Details:
- Client Type: UK-based high-net-worth individual
- Property Value: Circa £7.5 million
- Loan Amount: Circa £3.25 million
- Loan-to-Value (LTV): Approximately 43%
A UK-based high-net-worth individual approached Enness seeking funding for the purchase of a new main residence. The property was acquired at an attractive price, but the transaction needed to complete within four weeks. The client required a flexible short- to medium-term funding solution that avoided unnecessary liquidity pressures and did not involve a long-term mortgage commitment with early repayment charges.
The client was self-employed, and accessing funds from their business could have created additional tax considerations. Although the client owned several unencumbered properties, traditional lenders placed significant emphasis on personal income, which was modest relative to the client’s overall wealth and business profitability.
The client was also relocating and required flexibility around their longer-term property arrangements, making a conventional long-term residential mortgage structure less suitable for their immediate requirements.
Enness arranged a circa £3.25 million residential bridging facility over a three-year term. The lender accepted a combination of the newly acquired property and the client’s unencumbered properties as security, providing a structure aligned with the client’s wider asset position.
This structure enabled the purchase to proceed within the required timeframe without requiring significant personal cash input beyond associated legal and valuation costs, while maintaining flexibility for a future refinance or sale, subject to the agreed exit strategy and lender criteria.
This case demonstrates how specialist bridging finance can support high-net-worth clients with complex financial profiles where traditional lending structures may not align with the transaction requirements. By considering the client’s wider asset position and structuring a flexible facility, Enness supported the acquisition while preserving longer-term financing options.
Important:
Bridging finance is a short-term funding solution and requires a clearly defined repayment or exit strategy, such as refinancing or sale of the secured asset. Delays to the planned exit strategy may increase costs or affect repayment options. Bridging finance can be more expensive than some longer-term forms of borrowing and may not be suitable for everyone.
Disclaimer
This case study is for illustrative purposes only and does not constitute financial, legal, or tax advice. The client scenario has been anonymised and certain details have been generalised to protect confidentiality. Finance is subject to status, underwriting, asset suitability, valuation, jurisdiction and lender criteria. Loan amounts, loan-to-value ratios, pricing, lending structures and outcomes are indicative only and may vary depending on individual circumstances. Enness Global acts as a credit broker and not as a lender.
Risk Warning
Your property may be repossessed if you do not keep up repayments on your mortgage or other 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.
