- Approximately 75% loan-to-value on each purchase, subject to lender criteria
- Interest-only structure with no early repayment charges
- Joint borrower, sole proprietor private bank solution
A high-net-worth couple approached Enness Global seeking a long-term strategy to acquire three residential properties in London for their children. The objective was to secure ownership in each child’s name while using the parents’ financial strength to support affordability. Each property had a purchase price of approximately £1.5 million, and the clients wanted to maximise leverage while preserving liquidity.
The clients already owned multiple residential properties with existing borrowing, meaning careful affordability assessment was essential. As the children did not have income, a structured approach was required to ensure the borrowing remained sustainable and aligned with the family’s broader wealth strategy. The case also involved complex income structures, requiring a lender capable of taking a holistic high-net-worth view.
The clients prioritised flexibility and long-term planning. They wanted higher loan-to-value borrowing on an interest-only basis, with no early repayment charges to allow future restructuring or repayment. A joint borrower, sole proprietor structure was required so the parents could support affordability while the properties remained in the children’s names.
Enness sourced a specialist UK private bank comfortable with complex income and multi-generational planning. The lender offered facilities at approximately 75% loan-to-value across all three purchases, subject to lender criteria, structured on an interest-only basis over a 10-year term.
To provide efficiency during execution, the lender pre-approved total borrowing capacity at the initial credit committee stage. As each purchase completed sequentially, only updated documentation was required. This streamlined process supported the clients in executing their strategy in line with lender requirements and timelines.
As with any interest-only facility, monthly payments cover interest only and do not repay the original loan balance. Repayment of capital remains due at the end of the mortgage term and requires a suitable repayment strategy.
This case study demonstrates Enness Global’s expertise in structuring private banking solutions for high-net-worth families, combining strategic planning, flexible lending, and tailored underwriting aligned with long-term wealth objectives, subject to status and lender criteria.
Disclaimer:
This case study is for illustrative purposes only and does not constitute financial, legal, or tax advice. Finance is subject to status, underwriting, asset suitability, and lender criteria. Borrowing against property carries risk, and failure to meet repayment obligations may put secured assets, including property, at risk.
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.
