- Circa €9 million residential bridging loan
- Secured against a circa €20 million luxury property portfolio
- Flexible structure to support portfolio exit and liquidity
Selling a property portfolio is rarely as straightforward as selling a single asset. A high-net-worth entrepreneur and experienced property investor approached Enness Global seeking to unlock liquidity from a luxury residential portfolio in Spain while retaining full control over the timing of individual property sales. The portfolio, valued at approximately €20 million, comprised multiple rental properties held across several special purpose vehicles, many of which had been developed by the client from the ground up.
Although the client intended to exit the Spanish market, they did not want to be forced into accepting offers simply to generate capital. Instead, the objective was to access funding that would allow each property to be sold when market conditions and buyer negotiations were most favourable, while releasing capital to support new business ventures in the meantime.
Structuring finance against a portfolio of this nature required careful coordination. Security needed to be taken across multiple properties and ownership structures without creating unnecessary legal complexity. The funding also needed to accommodate an exit strategy where properties were expected to sell at different times rather than through a single disposal.
Drawing on relationships with specialist bridging lenders, Enness Global arranged a bespoke residential bridging facility designed around the client's wider objectives rather than a standard repayment model. Unlike many conventional structures, the facility allowed the client to retain a proportion of the proceeds from individual property sales during the loan term instead of automatically applying every sale receipt to reduce the outstanding balance. This provided greater flexibility to reinvest capital while continuing the planned disposal programme.
The transaction completed in approximately six weeks, giving the client immediate access to liquidity while preserving control over the portfolio exit strategy. The case highlights how specialist bridging finance can support complex cross-border property portfolios where flexibility is just as important as speed.
Disclaimer
This case study is provided for illustrative purposes only and does not constitute financial, legal, tax or investment advice. Enness Global acts as a broker and not as a lender. All lending is subject to status, underwriting, valuation and lender approval. Loan terms, pricing and facility structures 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.
Bridging finance is a short-term borrowing solution and may not be suitable for every borrower. Your property or other secured assets may be at risk if you do not meet your repayment obligations.
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.
