- Client: French national, UK resident, senior professional with international income
- Challenge: Fixed completion deadline combined with complex income and high loan-to-value requirement
- Loan Amount: Circa £1.7M mortgage at approximately 85% LTV
A high-net-worth client approached Enness seeking finance for the acquisition of a prime London residential property. The transaction carried one significant challenge from the outset: a fixed completion date with no flexibility for delay. The financing solution therefore needed to be structured and approved within a highly compressed timeframe.
The client had a strong financial profile, supported by a long employment history, substantial earnings, and a well-established professional career. However, the income structure introduced complexity. A significant proportion of annual earnings was derived from bonus income denominated in US dollars and paid through an international employment structure. While the bonus income was well established, timing around receipt of funds created complications during the mortgage application process.
For many mainstream lenders, this combination of complex international income and a time-sensitive completion deadline would present significant challenges. Conventional underwriting processes often struggle to accommodate non-standard income structures, particularly where timelines are compressed and there is limited margin for delays.
Enness approached the transaction with two clear priorities: identifying a lender comfortable with the client’s income profile and securing a lender capable of delivering within the required timeframe. This significantly narrowed the pool of viable lending partners.
A private banking lender with experience in high-net-worth and internationally structured income was introduced. The lender took a holistic view of the client’s financial position, considering overall earnings, liquidity, and long-term repayment capacity rather than relying solely on standard affordability metrics.
A bespoke mortgage facility of circa £1.7M was arranged at approximately 85% loan-to-value. The structure combined interest-only and repayment elements, providing an efficient balance between monthly affordability and long-term capital reduction. This ensured the financing aligned with both the client’s immediate cash flow requirements and longer-term financial planning.
Through careful structuring and close coordination between all parties, the mortgage offer was secured within the required timeframe and completion took place as scheduled.
This case highlights the importance of specialist structuring in time-sensitive transactions involving complex income profiles. Where execution timing and lender selection are critical, the right financing partner can make the difference between a successful completion and a failed transaction.
Disclaimer
This case study is anonymised and provided for illustrative purposes only. It does not constitute financial, legal, tax, or investment advice. Enness acts as a broker and not as a lender. All lending is subject to status, underwriting, valuation, and lender approval. Loan terms, pricing, and maximum loan-to-value ratios vary depending on individual circumstances, asset profile, and market conditions. Outcomes are not indicative of future results. Independent professional advice should be sought before entering into any financial arrangement.
Risk Warning: Your home may be repossessed if you do not keep up repayments on your mortgage or any debt secured against it.
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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.
