- Ultra-high-net-worth international family
- Circa £18 million ultra-prime London residence
- Circa £8 million refinance at approximately 47% loan-to-value
An ultra-high-net-worth international family approached Enness Global seeking to refinance approximately £8 million secured against a prime residence in London valued at circa £18 million. The property was used as both a family residence during visits and a UK base. The objective was to refinance existing borrowing while preserving liquidity for broader wealth planning and investment activities.
The transaction required careful handling due to the size of the single exposure, the international borrower profile, and the requirement for an interest-only structure. Pricing sensitivity was also an important factor, with the family seeking an efficient structure that would avoid unnecessary costs while maintaining flexibility and discretion throughout the process.
Enness Global structured a circa £8 million interest-only refinance facility through a specialist private bank. The loan represented approximately 47% loan-to-value and was arranged on a short-term tracker structure, allowing the client to maintain flexibility throughout the refinancing process.
The facility supported the client’s objective of refinancing existing borrowing while preserving liquidity and aligning with wider long-term wealth planning goals. In addition to completing the refinance, the transaction also established an ongoing private banking relationship to support broader financial requirements.
This case study demonstrates Enness Global’s experience in structuring large, complex refinancing solutions for international clients with high-value UK property assets and sophisticated wealth management objectives.
Important:
With an interest-only mortgage, monthly payments cover interest only and do not reduce the capital balance. The original loan amount remains outstanding and must be repaid at the end of the mortgage term through a suitable repayment strategy.
Disclaimer:
This case study is for illustrative purposes only and does not constitute financial, legal, tax, or investment advice. Finance is subject to status, underwriting, asset suitability, and lender criteria.
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.
