- Two North America–based high-net-worth clients
- Circa £1.2 million London buy-to-let investment property
- Circa £900,000 facility at approximately 75% loan-to-value
Two North America–based high-net-worth clients approached Enness Global seeking to acquire a London buy-to-let investment property valued at approximately £1.2 million. Their objective was to secure maximum leverage while preserving liquidity for their broader global investment portfolio.
The transaction involved several complexities. As non-UK residents with North American income sources, the clients required a lender comfortable underwriting international earnings while also providing a relatively high loan-to-value structure. The financing needed to be arranged on an interest-only basis and completed within an accelerated timeframe to ensure the purchase proceeded smoothly.
Enness Global structured a circa £900,000 facility representing approximately 75% loan-to-value through a leading UK private bank experienced in cross-border lending. The loan was arranged with a five-year fixed structure over an approximately 14-year term and on a fully interest-only basis.
This solution enabled the clients to secure high-leverage financing while maintaining liquidity across their wider portfolio. The structure also provided medium-term interest rate certainty and a capital-efficient financing strategy aligned with their broader international wealth planning objectives.
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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.
