Demand for luxury asset-backed property finance has surged by 260% over the past year, according to Enness Global. High-net-worth buyers are increasingly using assets such as equities, commodities, cryptocurrencies and collectables as security, rather than selling them to fund property purchases.
The rise in enquiries reflects strong performance across global markets, with major indices and commodities posting significant gains over the past five years. Digital assets, including Bitcoin and Ethereum, alongside luxury collectables such as watches, handbags and jewellery, have also delivered substantial long-term returns.
The growing trend allows high-net-worth clients to unlock liquidity for property acquisitions while maintaining exposure to assets that may continue to perform. Rather than liquidating investments, borrowers can use their existing wealth as security to access finance for new opportunities.
The increase in demand highlights a broader shift towards more sophisticated and flexible financing solutions within the luxury property sector, particularly among clients with diverse and high-value asset portfolios.
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