The client was a UK national and UK resident with an established personal balance sheet and a diversified investment portfolio. Total net worth was approximately £5 million, with around £2 million held in marketable securities. The client wished to utilise existing investments more efficiently rather than liquidating assets to fund a property purchase.
The client required approximately £500,000 to support the purchase of a UK residential property. The objective was to access liquidity without selling investments or disrupting long-term portfolio strategy. A non-recourse structure with flexibility around term and repayment was preferred.
Although structurally straightforward, the loan size was below the minimum thresholds typically accepted by many private banks offering Lombard or crypto-backed facilities. In addition, the client required support in understanding leverage mechanics, security arrangements, and long-term suitability within their wider financial planning.
Enness leveraged its private banking network to identify a lender willing to consider a non-recourse Lombard-style crypto-backed facility secured against a diversified portfolio. Enness worked closely with both parties to present the client’s overall wealth position, enabling the lender to take a holistic view rather than focusing solely on minimum loan size criteria.
Throughout the process, Enness explained the proposed structure, security mechanics, and how the facility could flex with changes in portfolio value, ensuring the client was fully informed before proceeding.
Subject to individual circumstances and lender approval, facilities of this nature have, in prior instances, enabled clients to access liquidity without liquidating investments. In this case, the structure supported the client’s property purchase while preserving long-term portfolio positioning.
This case illustrates how Enness adds value through both structuring expertise and access to specialist lenders.
Crypto Disclaimer
Enness does not give crypto advice or recommendations and you should seek professional advice to discuss your personal circumstances and requirements.
Securities Backed Lending Disclaimer
Enness does not give advice on Securities Backed Lending or investments; and lender introductions are unregulated.
This guide is for information and illustrative purposes only and nothing contained within should be construed as advice or a recommendation and is not an invitation to buy or sell securities.
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.
