- Client: UK nationals, retired senior executives from public institutions
- Property Value: Circa £6M
- Loan Amount: Circa £5.5M
- Solution: Lombard-style facility secured against a listed share portfolio
A professional adviser introduced Enness Global to UK clients who had previously held senior public-sector roles and were approaching retirement. The clients were looking to acquire what they intended to be their final primary residence in Prime London, while retaining ownership of an existing super-prime mews property in London. They required a solution that allowed them to move quickly to meet exchange deadlines without unnecessarily disrupting their wider asset and liquidity strategy.
The transaction was time-sensitive, taking place shortly before the Christmas period, when lender availability and processing timelines can be more constrained. In addition, the clients already had a lifetime mortgage in place on their existing property, secured at a rate agreed during the Covid period, which they were reluctant to disturb. They were also keen to avoid liquidating a substantial listed share portfolio, as doing so could have resulted in tax consequences and reduced their long-term investment exposure.
Enness Global arranged a Lombard-style credit facility secured against the clients’ listed shares, allowing them to fund the Prime London purchase without selling the portfolio or restructuring their existing property finance. The facility was structured to provide access to capital, with the final terms subject to lender criteria, asset suitability, market conditions and the clients’ individual circumstances.
Leveraging established private banking relationships, Enness coordinated lender onboarding and account setup alongside the wider transaction timetable. This helped the clients progress towards drawdown within the required timeframe, subject to completion of the lender’s due diligence, documentation and credit requirements.
This case demonstrates the role securities-backed lending can play where clients hold substantial investment portfolios but wish to access liquidity without immediately selling their investments. By aligning lender appetite with the clients’ objectives, Enness Global structured a financing solution designed to balance execution requirements with broader asset-planning considerations.
SECURITIES-BACKED LENDING DISCLAIMER: ENNESS DOES NOT PROVIDE ADVICE ON SECURITIES-BACKED LENDING OR INVESTMENTS. LENDER INTRODUCTIONS ARE UNREGULATED. TERMS AND AVAILABILITY ARE SUBJECT TO INDIVIDUAL CIRCUMSTANCES, UNDERLYING SECURITIES AND LENDER CRITERIA.
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.
