- Client: Recently retired UK high-net-worth individual
- Challenge: Refinancing an existing private bank facility secured against a complex multi-title listed rural estate with a low declared income profile
- Loan Amount: Circa £1.5 million refinance over a 36-month term
A recently retired high-net-worth client approached Enness Global seeking to refinance an existing private banking facility secured against a listed rural estate valued at over £5 million. The client required approximately £1.5 million over a three-year period to refinance the existing borrowing while creating additional liquidity ahead of a planned future financial event. With borrowing below 30% loan-to-value, the primary focus was not leverage but securing a funding structure capable of meeting the client's wider objectives.
The transaction presented several complexities. The estate was held across multiple legal titles and included a listed property, requiring a lender comfortable with more complex security arrangements. In addition, the client's deliberately modest declared income meant conventional affordability assessments were unlikely to reflect their overall financial strength. The refinancing also needed to be completed in line with the maturity of the existing private banking facility, making careful execution and coordination essential.
Enness Global identified a specialist lender able to take a holistic view of the client's balance sheet and wider financial position. A circa £1.5 million refinance facility was structured over a 36-month term with retained interest, removing the need for monthly servicing throughout the loan period. The proposed structure also incorporated no early repayment charges, providing flexibility should the client choose to refinance or repay the facility before maturity.
By securing lender support ahead of the existing facility reaching maturity and coordinating closely with all parties throughout the transaction, Enness Global helped reduce execution risk and provide continuity of funding. This case demonstrates how specialist structuring can support high-net-worth borrowers with complex assets where execution, timing and lender selection are often more important than maximising leverage.
Disclaimer
This case study is provided for illustrative purposes only and does not constitute financial, legal, tax or investment advice. The client scenario has been anonymised and certain details have been generalised to protect confidentiality. Finance is subject to status, underwriting, valuation, asset suitability and lender criteria. Loan amounts, loan-to-value ratios and lending structures are indicative only and may vary depending on individual circumstances and market conditions. Enness Global acts as a credit broker and not as a lender.
Risk Warning
Your property may be repossessed if you do not keep up repayments on borrowing secured against it.
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