- Client: UK-based senior executive
- Property: Surrey primary residence valued at circa £4.8 million
- Loan Amount: Circa £3.12 million
- Loan to Value: Approximately 65%
- Structure: Fully interest-only private-bank facility
A senior executive based in the UK approached Enness Global seeking finance for the acquisition of a primary residence in Surrey valued at approximately £4.8 million. The client had substantial annual income and a confirmed future liquidity event, providing a clear longer-term source of capital for the eventual repayment of the borrowing.
The client required a facility of circa £3.12 million, representing approximately 65% loan-to-value. A fully interest-only structure was preferred to maximise short-term cashflow efficiency, while retaining the flexibility to make partial repayments or capitalise interest ahead of the anticipated liquidity event.
The key challenge was ensuring the lending structure reflected the client’s broader financial position. Conventional loan-to-income assessments did not fully capture the strength of the client’s future liquidity profile, while the required level of borrowing and interest-only structure narrowed the pool of suitable lenders. The facility therefore needed to provide flexibility without compromising the lender’s assessment of long-term repayment capacity.
Enness Global sourced a private-bank lender experienced in working with senior professionals and clients with significant forthcoming liquidity events. The resulting residential mortgage was structured on a fully interest-only basis, with flexibility for partial capital repayments and the potential to capitalise interest subject to the agreed terms and lender criteria.
This approach allowed the client to manage short-term cashflow efficiently while retaining a clear strategy for future debt reduction. The private bank also took a holistic view of the client’s income, assets and anticipated liquidity event when assessing the overall borrowing requirement.
The client secured the Surrey residence through a bespoke private-bank mortgage aligned with their financial circumstances and longer-term objectives. The structure provided flexibility around repayment, maintained significant visibility over the anticipated exit strategy and supported the client’s wider financial planning.
This case demonstrates how specialist mortgage structuring can help high-net-worth borrowers where traditional affordability models may not fully reflect substantial income, assets and future liquidity. By aligning lender appetite with the client’s broader financial position, Enness Global can identify tailored solutions for complex residential acquisitions.
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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.
