- Client: UK-based high-net-worth borrower
- Challenge: Securing high loan-to-value finance on a prime residential property while maintaining liquidity
- Loan Amount: Circa £4.5M mortgage at approximately 90% loan-to-value
A UK-based high-net-worth client approached Enness seeking finance for the purchase of a prime residential property valued at several million pounds. The objective was to secure a high level of borrowing while preserving capital for wider investment and wealth management purposes. The client also wished to minimise monthly mortgage commitments through an interest-only structure.
Transactions of this size and complexity often fall outside the lending appetite of mainstream banks. As property values increase, many lenders reduce their maximum loan-to-value ratios, particularly where borrowers request interest-only facilities. Combining a high loan-to-value with an interest-only repayment structure significantly narrows the number of lenders capable of supporting the transaction.
Enness undertook a detailed review of specialist private banking lenders before identifying a funding solution aligned with the client's objectives. A bespoke mortgage structure was arranged at approximately 90% loan-to-value, with the facility split across multiple lending tranches to provide greater flexibility throughout the initial term. The repayment strategy was agreed with the lender from the outset and formed an important part of the overall underwriting process.
The bespoke structure enabled the client to complete the property purchase while preserving a significant proportion of personal capital that could remain invested or be allocated elsewhere as part of a wider wealth strategy. The interest-only arrangement also reduced ongoing monthly commitments during the initial period of ownership, providing additional financial flexibility.
This transaction demonstrates how specialist private banking relationships can support high-value residential purchases that fall beyond conventional lending criteria. By understanding the client's wider financial position and long-term objectives, Enness was able to structure a tailored financing solution that balanced leverage, liquidity, and flexibility.
Disclaimer
This case study has been anonymised and is provided for illustrative purposes only. It does not constitute financial, mortgage, tax, legal, or investment advice. Enness acts as a broker and not as a lender. All lending is subject to status, valuation, underwriting, and lender approval. Loan amounts, loan-to-value ratios, pricing, and product availability vary depending on individual circumstances and market conditions. Outcomes shown are not indicative of future results.
Your home or property may be repossessed if you do not keep up repayments on a mortgage or any debt 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.
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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.
