Client Profile
An ultra-high-net-worth international family sought to acquire a prime central London residential property while awaiting liquidity from existing assets and wider international business interests.
The Requirement
To secure short-term financing for the acquisition of a high-value London residence while awaiting the completion of multiple liquidity events tied to property disposals and international business cash flow.
The Challenge
The clients required rapid access to capital despite a significant proportion of their wealth being tied up in assets that were in the process of being realised. Traditional lenders were unable to accommodate the complexity of the clients’ international wealth structure and the timing sensitivity surrounding multiple incoming liquidity events.
The Solution
Enness arranged a bespoke bridging facility of £10m+ at approximately 55% loan-to-value, secured against the prime London property. The facility was structured over a 12-month term on an interest-only basis with retained interest, removing the need for monthly servicing and providing flexibility until the planned liquidity events were completed.
Transaction Highlights
- Property Value: £15m+
- Finance Amount: £10m+
- Loan-to-Value: Approx. 55%
- Term: 12 Months
- Structure: Interest-Only with Retained Interest
- Borrower Profile: International Ultra-High-Net-Worth Family
The Result
The clients successfully acquired a prime central London residential property through a tailored short-term financing solution designed around complex international wealth structures and multiple pending liquidity events.
The transaction demonstrates Enness’ expertise in structuring bespoke funding solutions for ultra-high-net-worth clients requiring flexible finance for high-value acquisitions with complex cross-border financial arrangements.
Disclaimer: This case study is provided for illustrative purposes only. Transaction structures and terms vary depending on individual circumstances and market conditions.
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.
